Ken Harker prepares to photograph his house for his insurance claim after it was flooded by surge from superstorm Sandy in Brant Beach, N.J., Thursday, Nov. 1, 2012. Before the storm, Harker piled belongings on top of his bed, at right, to avoid the water, which reached the mattress. In its tear of destruction, the megastorm Sandy left parts of New Jersey's beloved shore in tatters, sweeping away beaches, homes, boardwalks and amusement parks. (AP Photo/Patrick Semansky)