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FILE - In this Jan. 4, 2012 file photo, huge piles of debris still line portions of Route 35, the main highway through the shore in Toms River N.J. In New Jersey, 346,000 housing units were destroyed or damaged, and 190,000 businesses affected. Loss estimates in the affected states vary. Earlier this month, leading insurance company Munich Re Ag estimated insured losses at $25 billion and total losses at $50 billion. In December, state governments reported a total of $62 billion in damage and other losses. (AP Photo/Wayne Parry, File)