Sandy repairs are reportedly taking so long in the New York City area, that Additional Living Expense is coming into play. In insurance parlance, this is "A.L.E." Coverage, and not everyone has it.
Those that do not have A.L.E. insurance coverage may have to apply to private resources including charities for assistance after all this time, since reportedly New York City and other government repair and rebuild programs are into their second summer of not accomplishing much since Sandy struck 20 months ago. See Liz Robbins, "After the Storm, 20 Months in Limbo," p. 26, col. 1 (New York Times Nat'l ed., Sunday, June 22, 2014).
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