fix the exterior after hurricane sandy. you still have a mess out here, but let s go inside. reporter: inside is a whole different story. this was our foyer, we had pictures of the kids in different stages of their lives. the wall was all pictures. reporter: a year later, the lower level of the house was devastated. this was a living room area. we had big big cabinet with the tv. the television, couch. all of my wife s crystal collection. crystal collection. the cabinets actually just flowed. and it fell over. everything was just destroyed. reporter: so why does it still look this way? sadly, their story is all too common after a disaster of this kind. to finance further repeat to their home, the family requested a low interest government loan. i worked my whole entire life. i paid my taxes. i m you re typical middle class american. reporter: the family was told by the government they could get the loan, but only if they got flood insurance first.
reporter: from the outside, the house looks okay. they received money from fema to fix the exterior after hurricane sandy. you still have a mess out here, but let s go inside. reporter: inside is a whole different story. this was our foyer, we had pictures of the kids in different stages of their lives. the wall was all pictures. reporter: a year later, the lower level of the house is still devastated. this was a living room area. we had big big cabinet with the tv. the television, couch. all of my wife s crystal collection. crystal collection. the cabinets actually just flowed. and it fell over. everything was just destroyed. reporter: so why does it still look this way? sadly, their story is all too common after a disaster of this kind. to finance further repair to their home, the family requested a low-interest government loan. i worked my whole entire life. i paid my taxes. i m you re typical middle class american. reporter: the family was told by the
still devastated. this was a living room area. we had big big cabinet with the tv. the television, couch. all of my wife s crystal collection. crystal collection. the cabinets actually just flowed. and it fell over. everything was just destroyed. reporter: so why does it still look this way? sadly, their story is all too common after a disaster of this kind. to finance further repair to their home, the family requested a low-interest government loan. i worked my whole entire life. i paid my taxes. i m you re typical middle class american. reporter: the family was told by the government they could get the loan, but only if they got flood insurance first. but the family says they can t afford flood insurance because the elevation of their home is so low, it drives the premiums up. so they re saying if you have flood insurance, we ll give you a loan, you can t afford the flood insurance. if you raise the house, it s cheaper but you can t afford to raise the house? righ
still devastated. this was a living room area. we had big big cabinet with the tv. the television, couch. all of my wife s crystal collection. crystal collection. the cabinets actually just flowed. and it fell over. everything was just destroyed. reporter: so why does it still look this way? sadly, their story is all too common after a disaster of this kind. to finance further repair to their home, the family requested a low-interest government loan. i worked my whole entire life. i paid my taxes. i m you re typical middle class american. reporter: the family was told by the government they could get the loan, but only if they got flood insurance first. but the family says they can t afford flood insurance because the elevation of their home is so low it drives the premium up. so they re saying if you have flood insurance, we ll give you a loan, you can t afford the flood insurance. if you raise the house, it s cheaper but you can t afford to raise the house? yes.
there s no short cut. morning meditation. gathering for the day. what s up for your day? this is where that occurs, this living room area. i ll stack up what we do here and who we do it with. not just the services that we provide, but the individuals that communicate that service. i ll stack that up against anybody in the world. we re good at what we do. i m very proud of that. wow, that s a really nice house. what did i do that for? i guess it s a good cause, tax deductible. what s that? oh, i m sorry, i m being told i m speaking to myself in front of millions of people. it s piers morgan, that would be thousands of people. well, this has been matthew perry with an hour delay. i would like to thank my guests.