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Stephen Conklin I guess did not have a rainy day fund. When one owns a home you need to have money available for disasters.

He has insurance and the remainder will be paid for by NYS rising. Fact he had no savings and had to do SBA loan on top of that is most of the problem.

Why cant he just pay out of pocket do repairs and put in for reimbursement. He seems like a smart educate guy who has a wife.

Bottom line shakey finances caused lots of problems when Sandy hit. Folks like him it was not the storm but the shape of ones finances that caused the issue

From: Still homeless with a mortgage

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