Months Later, Flood Victims Remain Displaced

More than three months after storms deluged thousands of homes and businesses in the Northeast, the pace of recovery remains frustratingly slow for some people.

Many of them will be out of their homes for Christmas, and the culprit is red tape.

Thousands of flood insurance claims have yet to be processed, leaving homeowners without the means to pay for extensive repairs. And grants distributed by the Federal Emergency Management Agency often don't begin to cover the damage to homes whose first floors were submerged.

The result is that cash-strapped flood victims are buying materials when they can and doing much of the renovation work themselves, with the help of friends and donated or discounted labor from contractors.