Totally agree with you. We lost the 1st floor of our home to Sandy. An insurance adjuster arrived 5 months later. We had to put some of our own money in just to make it livable after 5 months. Oh, we had water and power but nothing else. Try camping in your own home. Try to find carpenters who will not rip you off. If the islanders have to wait for insurance money, God help them, who knows how long that will take. Mprevo is right, then you need materials and sound reliable workers. Vacation time is going to tale a long time. Residents come first!