NEWARK, N.J. (AP) — Another shock has awaited some New Jersey residents after Superstorm Sandy swept through the state and left behind a trail of destruction.

The Federal Emergency Management Agency requires anyone applying for aid to show that their damaged house is their primary residence and not a second home. That has left many owners of New Jersey shore homes having to rely on their insurance companies.

FEMA’s policy states, among other requirements, that “the home in the disaster area is where you usually live and where you were living at the time of the disaster.”

Gov. Chris Christie reiterated this at s news conferences this week.

Many homeowners are concerned their individual homeowner’s insurance won’t meet their needs.

(© Copyright 2012 The Associated Press. All Rights Reserved. This material may not be published, broadcast, rewritten or redistributed.)