TOMS RIVER - Sandy survivors packed a room in Toms River Monday to voice their recovery concerns as part of the fourth and final hearing by New Jersey's Senate and Assembly Environment Committees on the status of rebuilding efforts after the Superstorm.

Fred Schaffer, of Little Egg Harbor, is asking for the insurance industry to be investigated. "We had paid our insurance for years and years and years, 24 years for me, very high coverage," Schaffer says. "Never made a claim, yet when Sandy hits and I make a claim I finally get a settlement for less that 25 percent of what I'm insured for."

About 150 people filled the room at Toms River Municipal Hall and told lawmakers about price gouging, a shortage of qualified contractors, and confusion with grant applications.

Sen. Jennifer Beck, of Monmouth County, was also there to answer questions.

All the testimony inside was recorded and transcripts will be given to the Gov. Chris Christie's office for review.

"We want to make sure we hear some success stories," Assemblyman Daniel Benson says. "And we hear where possibly things have fallen down and that more response is needed."

The goal is to learn from the experiences of Sandy survivors and identify problems in the recovery process so that new legislation can be drafted if needed.

Three previous meetings were held in Trenton, Atlantic City, and Jersey City.