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Man-paddling-kayak-on-flooded-street A man paddles a kayak near a flooded home along the Alafia River in Lithia, Fla. A storm surge pushed water into the low lying area. (AP Photo/Chris O’Meara)

When Hurricane Sandy pummeled New Jersey in 2012 it drowned financial adviser Doug Quinn’s house in 3 feet of water, and introduced him to a world of fraud and abuse led by flood insurance adjusters and engineers, some of whom even created false reports to underpay storm victims.

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