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Carmine Colombo looks over his home, which was severely damaged during Superstorm Sandy, in the Broad Channel section of Queens, New York, Thursday, Jan. 3, 2013. Colombo, who has been living in a mobile home while working on the house, is waiting for funds to complete the renovations. Many home and business owners flooded out by Hurricane Sandy could get insurance payouts soon through congressional action expected Friday, Jan. 4 on a $9.7 billion bill to replenish the National Flood Insurance Program. The Federal Emergency Management Agency, which runs the program, warned that it will run out of money next week if Congress doesn’t give it additional borrowing authority to pay out claims. (AP Photo/Seth Wenig)