FILE - In this Jan. 3, 2013, file photo, Kim Baker works 

FILE - In this Jan. 3, 2013, file photo, Kim Baker works to clean up her Superstorm Sandy-damaged home in Seaside Heights, N.J. Three months after Sandy struck, thousands of storm victims in New York and New Jersey are stuck in limbo. Waiting for the heat to come on, for insurance money to come through, for loans to be approved. Waiting, in a broader sense, for their upended lives to get back to normal. (AP Photo/Mel Evans, File)
Associated Press
FILE - In this Jan. 3, 2013, file photo, Kim Baker works to clean up her Superstorm Sandy-damaged home in Seaside Heights, N.J. Three months after Sandy struck, thousands of storm victims in New York and New Jersey are stuck in limbo. Waiting for the heat to come on, for insurance money to come through, for loans to be approved. Waiting, in a broader sense, for their upended lives to get back to normal. (AP Photo/Mel Evans, File)
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