The Institutes

Cold, Mold Loom as Hazards in Sandy Disaster Zones

 Monday, December 3, 2012

 Insurance Journal

A month after Sandy’s floodwaters swept up his block, punched a hole in his foundation and drowned his furnace, John Frawley still has no electricity or heat in his dilapidated home on the Rockaway seashore in Queens, New York. The 57-year-old, who also lost his car and all his winter clothes in the flood, now spends his nights shivering in a pair of donated snow pants, worrying whether the cold might make his chronic heart condition worse. “I’ve been coughing like crazy,” said Frawley, a former commercial fisherman disabled by a spine injury. He said his family doesn’t have the money to pay for even basic repairs. So far, he has avoided going to a shelter, saying he’d rather sleep in his own home.
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