It would appear that Allstate had no problem using a customer's destroyed home in New Dorp Staten Island but are trying to short shrift that home's policyholders despite eyewitness accounts. See this is how insurance companies limit damages to their bottom line after storms like this. If you have flood insurance they blame it on wind. If you have a regular homeowners policy they say it was the flood. It happened time after time after Katrina, here's just one.
Sheila and Dominic Traina wisely left before Superstorm Sandy hit and returned to find their home in two pieces. Neighbors (note the s as PLURAL neighbors) said they saw the roof tear off in the storm long before the flooding finished the job. But this is Allstate who once again press the old adage "Who are you going to believe, us or your lying eyes?" To top it off Allstate used the Traina's home in one of those heartwarming we're all in this together sappy bullshit ads they all rush out to show how quickly they respond with an offer of $10,000 for your entire property because again, wind no, water yes.
Read up on companies you insure with before a big storm. Read some of the internet's best places to see what previous policyholders have to say. Sure you'll have a few crankasaurus rex's but if you see Company X has 40 or so claims of non-payment and blaming floods, there you go. It always pays to do your homework.
...and be better protected from mayhem, like Allstate.