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In a photo made available by the MTA, floodwaters stream into the Long Island Rail Road's West Side Yard in New York during superstorm Sandy. (AP Photo/Metropolitan Transportation Authority)

Insurance implications due to damage to infrastructure from Superstorm Sandy are difficult to know at this point, but most infrastructure is not privately insured. 

Meyer Shields of Stifel Nicolaus recently said insured losses from Sandy could be higher than modelers’ estimates once infrastructure losses are added.

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