TOMS RIVER - Sen. Bob Menendez met with some Sandy victims Monday and says some flood insurance policies aren't worth the paper they're printed on.

In the days after Superstorm Sandy flooded his family home in Toms River, Douglas Quinn was sure he would be able to rebuild because he had flood insurance. "This is why you pay those fat insurance premiums, it's all gonna work out and I had no clue," he says.

Nearly two years later, his house is still down to the beams because Quinn says his flood insurance company will only pay less than half of his $250,000 policy.

Quinn and his family have moved to an apartment in town. Menendez says the problem is that FEMA and its private insurance operators are more worried about getting caught repeating fraud and overpayments common after disasters like Katrina.

Menendez says he doesn't expect anyone to get more than what they deserve, but also believes homeowners should get what they paid for. He is asking for a review of the entire process and to put penalties in place should FEMA drag its feet.  

The senator will take his complaints directly to FEMA as he chairs a subcommittee hearing in Washington on Wednesday.