Recently Maria Scandale wrote an informative piece on flood insurance that got me thinking. I well remember Superstorm Sandy, although I was one of the lucky ones on the oceanside who had only minor damage. I still shudder as I remember my first drive down the Island, seeing every house on every street on the bayside with piles of ruined belongings in their front yards. Luckily, we had raised our house on pilings when I retired to live full-time on LBI.

But as Maria’s story enumerated the reasons to buy flood insurance, I remembered what happened when the friendly flood…