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For the past week—and likely for the next year—victims of Superstorm Sandy will face challenges they never dreamed of, even those lucky enough to have insurance policies that cover the damages to their home and property.

One of the questions survivors of this tragic storm will invariably ask each other over the coming weeks is, “Who’s your insurer?” The responses that are elicited will draw either envy or sympathy because as these victims—and the victim of hundreds of disasters—will tell you, not all insurance carriers are alike when it comes to handling claims.

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