FILE - In this file photo of Jan. 23, 2013, Anthony Cavallo looks at the doorway to the room of his daughter Amy in Union Beach, N.J., where the family has been living in a trailer next

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FILE - In this file photo of Jan. 23, 2013, Anthony Cavallo looks at the doorway to the room of his daughter Amy in Union Beach, N.J., where the family has been living in a trailer next to their home damaged by Superstorm Sandy because the house was uninhabitable as they awaited storm aid. Last week they finally received a check in the mail, marked "full and final payment," for $104,000. Cavallo said that is less than his policy limit, and less than half of what it will cost to rebuild. (AP Photo/Julio Cortez, file) less