(Bloomberg) -- Some homeowners hit by Hurricane Sandy say they’ve been victimized twice: first by the storm and later by insurers.

John Clancy says his insurer, an Allstate Corp. unit, paid just $46,000 of the more than $200,000 in repairs needed on his 86-year-old house in Keansburg, New Jersey. The inspector surveyed the damage and concluded it was all storm related, Clancy said, but the final engineer’s report blamed the devastation mostly on long-term rot instead of the storm surge from Sandy Hook Bay, just four blocks away.

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