FILE - In this Thursday, Jan. 17, 2013 file photo, seen through the beams of a gutted wall, Irene Sobolov, left, sits at a table while her 10-year-old son Joey Sobolov works on his fifth grade science homework in their home in Hoboken, N.J. The living and dining rooms of the Sobolov's home, which are below ground in the basement of their home, were damaged in the floods caused by Superstorm Sandy. 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/Julio Cortez, File)

Associated Press
FILE - In this Thursday, Jan. 17, 2013 file photo, seen through the beams of a gutted wall, Irene Sobolov, left, sits at a table while her 10-year-old son Joey Sobolov works on his fifth grade science homework in their home in Hoboken, N.J. The living and dining rooms of the Sobolov's home, which are below ground in the basement of their home, were damaged in the floods caused by Superstorm Sandy. 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/Julio Cortez, File)
FILE - In this Thursday, Jan. 17, 2013 file photo, seen through the beams of a gutted wall, Irene Sobolov, left, sits at a table while her 10-year-old son Joey Sobolov works on his fifth grade science homework in their home in Hoboken, N.J. The living and dining rooms of the Sobolov's home, which are below ground in the basement of their home, were damaged in the floods caused by Superstorm Sandy. 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/Julio Cortez, File)
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