My husband and I purchased a home in March 2012. The previous homeowner was given money to replace items damaged in hurricane Irene. However, they did not replace the items they repaired them and pocketed the money. They sold the house to us without mentioning what they did or did not do. Now the house is ours and Sandy hits and our basement is sumerged under water and we loose everything. We figure we are covered for the basics the electric, boiler etc... But we are not. The insurance company does not care that we just purchased the home and did not live here during hurricane Irene. They refuse to pay us for our loss and FEMA said sorry but we can't help either. They will not pay for the same items twice. There excuse is that they paid for them last year and they were not replaced. So they will not pay for them again. They told us to sue the previous owner. I don't understand how we are being held accountable for someone elses insurance claim. I don't think its fair.