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The Ward Agency is a small firm on the Jersey shore that mostly offers personal lines coverage, as well as some business insurance and even financial planning. It is also just a block away from the beach on Ocean Avenue, in Point Pleasant Beach, N.J. But since the main office is on 10-foot-pilings, when Superstorm Sandy hit, the agency escaped damage. There was no power, and the agents had to work from their boss’ house, but the agency itself was untouched.

A lot of their neighbors, however, were not so fortunate, and suffered serious flood damage that in many cases remains unresolved even a year after the storm.

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