This Nov. 29, 2012 photo shows the destroyed Joey Harrison's Surf Club, a landmark nightclub in the Ortley Beach section of Toms River N.J. Residents told a state Senate panel on Monday, Oct. 21, 2013... more 
This Nov. 29, 2012 photo shows the destroyed Joey Harrison's Surf Club, a landmark nightclub in the Ortley Beach section of Toms River N.J. Residents told a state Senate panel on Monday, Oct. 21, 2013 that insurance woes and bureaucracy are doing as much damage to them as the storm did as they try to recover from Superstorm Sandy a year later. (AP Photo/Wayne Parry) less 
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Associated Press | Photo By Wayne Parry
Mon, Oct 21, 2013 6:40 PM EDT