In the aftermath of "Superstorm" Sandy, the hurricane-turned-nor'easter that killed at least 121 people in the United States in late October, broker Susan Combs spent 96 hours without power to her New York City home or two Manhattan office locations. The owner of employee benefit brokerage Combs & Company, a partner firm of insurance services firm ARM-Capacity of New York, LLC, has offices on 29th Street and in Battery Park in Manhattan. EBA spoke with Combs nine days after the storm, at which time she was still unable to enter her Battery Park office.

Having over-prepared for Hurricane Irene in 2011, Combs believes "a lot of people were a little bit complacent" this time around - herself included. She recalls filling her bathtub with water for Irene, but made no such preparations for Sandy.

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