Higher premiums are likely, post Sandy, but policyholders won't need to pay hurricane deductibles
Reports of flooding, downed trees, and damage caused by wind -- such as trees falling on houses or cars -- comprise the vast majority of calls to local insurance agencies. Jackie Lowey

Only twisted debris remained Tuesday at one of Ronald Lauder’s Wainscott houses. The white bags had been placed to stave off ongoing erosion. Marian Lindberg

Toppled utility poles were common, knocking out electricity and, in some cases, telephone service, to thousands of people. Julie Penny

Rocks that once helped protect Soundview Drive in Montauk were thrown by the heavy surf onto the pavement. Jeremy Samuelson

East Hampton Town Highway Superintendent Stephen Lynch and Supervisor Bill Wilkinson visited beaches in Montauk on Sunday directing equipment operators to pile sand to block potential entrance points for the anticipated surge of water. Morgan McGivern