There have been a lot of numbers thrown about and talk from lawmakers, but for many residents living in areas like the Rockaways or Midland Beach and down at the Jersey Shore - that means nothing. Life for these people continues to stand still – without access to food, medical care, power and water. So I’m all for anything that will make it easier to get these residents the help they need. I truly hope it works. Below, I've posted all the concerns and thoughts that you've sent in to us.

In the wake of mounting complaints from New Yorkers, Governor Cuomo issued an executive order today that puts pressure on insurance companies to resolve issues with Hurricane Sandy victims. Cuomo says 360,000 people have filed claims, and many can't start repairs on their homes because there aren't enough adjusters to inspect all of the properties quickly.

Starting today, temporary licenses will be issued to out-of-state insurance adjusters in hopes of clearing the backlog. And insurance companies must start investigating claims in six business days, rather than 15 days under current rules. A new website will publish report cards assessing their performance. What do you say?

If you've filed a claim because of the storm, how helpful was your insurance company? Do you think Governor Cuomo's executive order will make a difference? What question would you ask our guest tonight, an expert from the Insurance Information Institute?

Send your thoughts using the link above.

I CANT GET AN ANSWER FROM MY INSURANCE FOR MY BUSINESS

after assessment my insurance company is taking to long and not getting back to me
even during assessment .. adjuster walked in and out and i felt like they barely looked through and dont know the value of damage

i had no flood insurance.. will the business loss, food, equipment coverage kick in even though some of the damage was caused by water

Labinot
Alphabet City

Firstly, my loss was trivial compared to that of many people who lost their homes, their cars, their property.

I am medical practitioner with two offices in Manhattan. I carry business interruption insurance and property insurance, but my carrier, Hanover, refuses to settle, claiming that my loss of business and nearly $5000 in losses of vaccines resulted from a power failure that was the direct result of flooding of Con Ed's 14th St. plant in NYC. Do I have any recourse? In addition, one of my offices is located near the One 57 construction site, where the collapsed crane necessitated a municipal order banning us from doing business for a week. Hanover wants me to spend money to have an accountant prepare a P&L statement (which would cost me $250/hr.) in order to settle, rather than using my bank deposit records to determine my customary weekly income.

Please advise.

Mark
New York

Starting with Cuomo and going right on down the line of government in New York State he needs to get this state and all the cities in order. He and everyone else were forewarned about the dangers of such a storm and as I have mentioned many times before the up keep or maintenance whatever one chooses to call it have been ignored and now late this afternoon Como is looking for a loan to repair all of CO-OP CITY. So as many of us suspected he will try to strong arm the government to help pay for the repairs of not only CO-OP CITY but anything and everything that has been ignored over the years. Everyone that has crossed our path through this state as a stepping stone is to blame. They all have used us and in their path through this state they have left us with man made laws that many of us are not in favor of.

I WILL MENTION TWO AGENCIES=MTA AND CO-OP CITY= What do or what did they do with the fares and rents they collect and I will throw in the lotto. Do tell us what gives.

When this phantom governor chooses not to even go on our NY 1 TV station and then when he must have been advised that he had better show up=but it was only a phone call.
1 appearance during his time in New York State as AG and Governor.
Something is wrong somewhere.

IF THE INSURANCE COMPANIES DON'T COMPLY THEN WHAT WILL HE DO?
I MYSELF THINK THAT HE IS IN TROUBLE BECAUSE WE DON'T GET THE OPTION TO SEE THE BOOKS BUT I CAN TELL YOU ALL THAT JUST LOOK AT HOW MUCH IN TAXES HE WILL BE MISSING OUT ON FROM ALL OF THESE PEOPLE THAT WERE LEFT HOMELESS.
THEY ALL KEEP GIVING OUT ENTITLEMENTS AND NOW THAT IT'S OUR TURN WE ARE ALL LEFT IN THE LURCH. SO I GUESS THEY CAN'T ROB PETER TO PAY PAUL. SO NOW IT'S TIME TO SHAKE DOWN THE GOVERNMENT.
ONCE AGAIN AN OLD SAYING=SOONER OR LATER ALL THE CHICKENS COME HOME TO ROOST.

Maxxiee
Morris Park

I work at an insurance company ....nice how there is NOOO MENTION on the reality that insurance companies dont staff up to be able to help people! The media and public are always looking to blame insurance companies with no understanding of how they even work!

Lynne

My elderly parents lower level was flooded in Bergen beach Brooklyn. They had flood insurance, general property insurance, personal property insurance ..Allstate denied personal property insurance since it excludes flooding, Allstate flood insurance denied full flood coverage since it was a lower level , FEMA denied since they have flood insurance . We are still waiting to hear final settlement from Allstate flood and general insurance in order to appeal FEMA. So my parents were seemingly over insured and haven't had any final settlements now 5wks after sandy! People without insurance are getting checks from FEMA and my parents aren't getting much of anything because they spent money on insurance that hasn't even helped them(yet)!

The reason people don't have flood insurance is its unaffordable. I was paying 2500 for flood. After one claim Fema wanted 12,000 per year. On a two family semi.

I thought the governor said the insurance companies had to waive the deductible but I know that the insurance company charged my friend the deductible. Was it waived and if so what should she do now?

Linda

Why city allow builders build houses with basements in zone A.

I understand it was not first time NY had surge. For example in SI if house build after 1976 flood insurance is covering elevated floors, but not ground floor.

HELLO -----my home was not damaged ---so i am sitting in the bleachers watching--------i believe the governor should try and fight for money and make a temporary law that will overide everyones insurance and cover EVERYONES PROBLEM ONE STEP AT A TIME---THEN ,have the governor's office deal with each persons insurance company and retain the due fees for which they paid---------we as people should not be this cruel to people.SO,develop a mail system where you send your insurance contact to albany and have them retrieve the proper funds from the insurance company THIS WAY SEEMS MORE IN ORDER------AND ---where is the money from other countries like we help them in a disaster--i havent heard something about this on the news

Can the insurance company just have some human compassion and help them ? THEY have money -----if i was the president of ALLSTATE i would want it known that i helped evn though some small contract rules didnt cover due to the capacity of the storm and the undue circumstances.

James
Staten Island

We have insurance & it's frustrating because the insurance company is not doing enough. FEMA won't even help if you have insurance at least if you don't have insurance you get help from FEMA. Flood & homeowners insurance is a huge expense & it's like pulling teeth for Something that we are paying for for so many years, it's like begging for the insurance to help you. We are at their mercy it's disgraceful, I haven't got an answer from castlepoint/tower & allstate. enough with the excuses with the insurance company, it not just expensive its just unlawful what they are doing, when the premiums are due the insurance is quick to cancel the policy, it's all bs!!

My flood insurance through Travelers will not be sending the adjustor to my home in Atlantic Beach until December 15. They say I can take pictures and start the work, but it puts me at great risk as I do not know what they will be giving me. They said they give payments based on square footage but won't tell me what the rate per square foot is. How can they get away with not coming until the cleanup is done and work has begun?

Donna