HANDLIN CRAFTING PLAN TO STOP STORM SCAMMERS

ASSEMBLYWOMAN PROPOSES  DOUBLING CONSUMER FRAUD FINES FOLLOWING A NATURAL DISASTER

While remaining vigilant against post-Hurricane Sandy scams, Assemblywoman  Amy H. Handlin is drafting legislation that would double the fines against those  who commit fraud after natural disasters, while working with residents and state  and local officials on preventing storm scams before they happen.

“It takes a special kind of deviant to prey upon those who have  tragically lost their home and possessions. They deserve a double dose of  penalty,” Handlin, R-Monmouth, said. “I’ve already heard from many constituents  who have been targeted by storm scammers who claim to be mold remediators,  contractors or financial advisers. We need to deliver a strong message that  attempting to steal from storm victims will carry severe penalties.”

Constituents who suspect fraud or corruption, or have evidence of waste  or abuse of public funds, should contact Assemblywoman Handlin’s office at (732) 787-1170 or [email protected]. The  Assemblywoman will forward incidents to the proper state and local authorities  and wants to monitor potential fraud to see if any patterns emerge.

“Federal funding to help New  Jersey recover will soon be approved and we need to be  extra vigilant against unscrupulous schemes that would re-victimize innocent  people who have already suffered too much,” Handlin said. “If we keep everyone  informed and work together we can ensure that this relief funding doesn’t wind  up like the old school construction program in which billions of dollars  disappeared in a cloud of waste, fraud and abuse.”

Handlin’s legislation would double maximum consumer fraud penalties to  $20,000 for a first offense and $40,000 subsequent offenses if the victim had  also been victimized by a natural disaster. The penalties mirror stiffer fines  imposed against senior citizens. The proposal would also apply consumer fraud  penalties to an unlicensed person who offers to perform a service that requires  a license, such as mold remediation.

Handlin’s district includes some of the communities hardest hit by  Hurricane Sandy.

• For tips on avoiding Sandy-related scams, visit: http://www.state.nj.us/governor/news/news/552012/approved/20121105a.html
• For tips on hiring a reputable home contractor, visit: http://www.njconsumeraffairs.gov/brief/improve.pdf

• Tweet

Governor Christie Outlines Regulations to Allow Residents and Businesses to Rebuild Faster, Stronger and Safer from Hurricane Sandy

Standards Will Ensure Lower Premiums In The Long Term, Protecting Residents From Out Of Control Costs

Trenton, NJ – Taking action to give New Jersey families, businesses and local governments the best available guidance to quickly and more durably rebuild from Hurricane Sandy, Governor Chris Christie today signed emergency regulations to adopt the Federal Emergency Management Agency’s (FEMA) updated Advisory Base Flood Elevation (ABFEs) maps as the rebuilding standard for the entire state. These regulations establish requirements and more efficient procedures for residents and businesses to construct, reconstruct, relocate and elevate buildings and other structures in flood hazard areas. 

  Read the rest of this entry »

• Tweet

BECK SEEKS TO GIVE DEPARTMENT OF BANKING AND INSURANCE OVERSIGHT ROLE IN FLOOD INSURANCE CLAIMS

NEW BILL WOULD HOLD INSURERS ACCOUNTABLE TO NJ STANDARDS

Senator Jennifer Beck has introduced legislation that clarifies the Department of Banking Insurance’s jurisdiction over the processing of certain flood insurance claims. The bill specifies that though flood insurance is administered by Federal Emergency Management Agency (FEMA) and the National Flood Insurance Program (NFIP) the actual claims process must adhere to New Jersey Department of Banking and Insurance (DOBI) laws and regulations.  In most cases in New Jersey, the NFIP flood insurance itself is purchased from New Jersey-based private insurance companies who participate in FEMA’s “Write Your Own” program.  Additionally, those same New Jersey-based insurers are often administering the claims.

 “In the wake of Sandy, we have been deluged with complaints about unresponsive and misleading flood insurance representatives” Beck explained. “While the NFIP is a federal program, I want to clarify that licensed New Jersey flood insurance companies must still comply with our consumer protection laws when processing our residents’ flood claims.  This is the New Jersey Department of Banking and Insurance jurisdiction and they must be able to protect our residents from bad actors.”

Senate Bill 2505 extends DOBI’s current authority to investigate and punish insurers who engage in unfair methods of competition or unfair and deceptive acts. The bill applies to specifically to New Jersey licensed insurers that process flood insurance claims under FEMA’s “Write Your Own” flood insurance program.

“Thousands of NJ residents have lost their homes and belongings and rebuilding cannot be stalled by flood insurers dragging their feet on legitimate claims.  Our residents are desperate to move forward with recovery efforts and time after time I am hearing that flood insurers are the obstacle,” said Beck.  “This legislation gives New Jersey’s DOBI enforcement power over the flood claims process in this State.  Once passed, DOBI’s Division of Insurance will enforce all New Jersey law, regulations and policies and have the legal authority to protect our residents from insurers that are non-complaint.”

• Tweet

O’SCANLON ADVISES SANDY AFFECTED HOMEOWNERS TO CONSIDER HOLDING OFF ON CERTAIN MITIGATION WORK

Owners may want to delay elevating houses until FEMA  grants are announced

Assemblyman Declan O’Scanlon today advised  homeowners affected by Sandy that they may want to hold off on  mitigation repairs until the specifics of the Hazard Mitigation Grant Program  (“HMGP”) are announced. The HMGP  provides grants to States and local governments to implement long-term hazard  mitigation measures after a major disaster declaration. The program enables  mitigation measures to be implemented during the immediate recovery from a  disaster.

“These grants can help fund elevating houses  and other, expensive mitigation work,” explained O’Scanlon. “Once the state  advertises that HMGP funding is available for mitigation projects in the state,  those interested in applying to the HMGP should contact their local government  to begin the application process. Local governments should then contact their  State Hazard Mitigation Officer so the needs of each town can be  assessed.

HMGP funds may be used to fund projects that  will reduce or eliminate the losses from future disasters. Projects must provide  a long-term solution to a problem, for example, elevation of a home to reduce  the risk of flood damages. In addition, a project’s potential savings must be  more than the cost of implementing the  project

“HMGP grants can fund up to 75% of a total  project,” O’Scanlon told. “Homeowners need to seriously think before shelling  out a lot of money to elevate their homes. If they can wait, these grants may be  a great way to offset the costs of expensive mitigation work. While not everyone  is approved for a grant, it looks like New Jersey may be receiving a sizeable amount  of aid from the Sandy Aid Package. It only makes sense for homeowners to  consider these grants as a possible source of assistance when planning expensive  home repairs.”

For more information on the HMGP, you can visit http://www.fema.gov/hazard-mitigation-grant-program.

• Tweet

More Strange Justice: A Warning to Public Servants

By Art Gallagher

Last November I wrote Strange Justice, a piece about my observations of the criminal sentencings of former Brookdale Community Community College President Peter Burnham and former Eatontown Detective Philip Emanulle.

Both men were charged with Official Misconduct. Burnham pled guilty to the Official Misconduct Charge and to Theft.  He charged $24,000 on the college’s credit cards for personal expenses over an eight year period and used a $20,000 federal grant for his son’s tuition at Monmouth University for personal use after Brookdale had already paid the tuition. In addition to Official Misconduct, Emanuelle was charged with Sexual Assault, Criminal Coercion and Tampering with Evidence.  The Sexual Assault and Official Misconduct charges were dismissed as part of a plea agreement. Emanuelle pled guilty to Coercion and Tampering.  Emanulle got five years probation.  Burnham was sentenced to five years in prison with the stipulation that he serve at least two years before he is eligible for release.

Burnham is in State Prison now.  A mutual friend tells me prison has not been easy for Burnham.  That is an understatement.   It hasn’t been easy for his family either.  Burnham had already lost his job and pension.  What was unexpected by his family is that he also lost his Social Security Benefits as a result of his conviction.

On January 8, Marlboro resident Mark Trawinski was sentenced to five months in prison for tax evasion.  Between 2002 and 2008, Trawinski didn’t pay the employment taxes withheld from his employees wages or the business’s employment taxes. He beat the government for $713,759 and used the money in part to purchase a $1 million home in Florida that he tried to hide from the U.S. Bankruptcy Court and the IRS.   In addition to his five months in prison, after Trawinski is released this spring he will be confined to his home for five months and he will undergo three years of supervised release.  He must also pay back the $713,759 to the IRS.

Why is Burnham doing two years hard time for stealing $44,000 while Emanulle got off with probation for Sexual Assault and and Trawinski got five months  for stealing $713,759?  Official Misconduct.

Read the rest of this entry »

• Tweet

Solutions Pregnancy & Health Center Educator Receives Sexual Risk Avoidance Designation

• Tweet

• Tweet

House OK’s $60B Aid for Sandy Recovery

Aid Passes 241-180 Assists New Jersey residents from worst natural disaster in their history

WASHINGTON, D.C. – The House of Representatives tonight approved the full disaster recovery funding that will help the victims of Superstorm Sandy rebuild their communities.

            “Sandy was the most destructive storm ever in our region and arguably the second or third most costly in America’s history,” said Congressman Chris Smith, R- Robbinsville, N.J., who represents the Fourth Congressional District—the hard-hit area of northern Ocean County & southern Monmouth County where Sandy made landfill. “We are not crying wolf here, I say to my colleagues. There are huge gaps—people who have filed for insurance claims—and find insurance covered only this much. How do they ever recover?”  Smith, who took the House floor no less than three  times today to speak in favor of passage, pointed out that the Governor’s office estimated the damage in New Jersey alone to be $36.9 billion. Click here to watch Cong. Smith’s appeal to his House colleagues to pass the Sandy aid.

             Two votes today providing $17 billion and $34 billion would supplement $9.7 billion already provided by both Houses of Congress Jan. 4, for a total of $60 billion emergency spending aid package.
             “There is an immediate need to rebuild and restore.  In particular, our residents and neighbors need assistance with temporary housing and permanent home restoration,” said Smith.  “The Jersey Shore needs to be open for business by or near Memorial Day, or else many will suffer economic hardships, including losing jobs or businesses.”

Read the rest of this entry »

• Tweet

Joint Statement From Governors Christie, Cuomo and Malloy Regarding House of Representatives Action on Disaster Aid Bill

Trenton, NJ – New Jersey Governor Chris Christie, New York Governor Andrew M. Cuomo and Connecticut Governor Dannel P. Malloy released the following statement regarding passage today of the disaster relief package by the House of Representatives:

“We are grateful to those members of Congress who today pulled together in a unified, bipartisan coalition to assist millions of their fellow Americans in New Jersey, New York and Connecticut at their greatest time of need. The tradition of Congress being there and providing support for Americans during times of crisis, no matter where they live across this great country, lives on in today’s vote in the House of Representatives. We anticipate smooth passage when this package moves back to the Senate for final approval and for this long-awaited relief to finally make its way to our residents.” 

• Tweet

House Approves $17 Billion in Sandy Aid. Another $33 Billon Expected To Be Approved Tonight

The House of Representatives approved the first of two bills expected to be voting on today which, if also approved in the U.S. Senate and signed by the Presdient, will provide $50 billion in federal funds to New Jersey, New York and Connecticut to rebuild from the destruction caused by Superstorm Sandy.

The $17 billion approved this afternoon will pay for Sandy clean-up, dredging, small business loans and infrastructure repairs. The $33 billion to be voted on tonight will be for the longer term rebuilding effort.

The bills were split in two to accommodate members of the Republican caucus who support the $17 billion, but not the $33 billion.

According to The Star Ledger, New Jersey Republican Congressmen Frank LoBiondo (NJ-2) and Jon Runyan (NJ-3) ripped into their fellow Republicans for withholding support of the disaster assistance.

“To my colleagues who have sought funding themselves and now say we need to change the rules of the game: shame on you,” Rep. Frank LoBiondo (D-N.J.) said after the vote. “We need to have a new caucus, the hypocritical caucus.”

Rep. Jon Runyan (R-3rd Dist.) said he knew more than 30 of his Republican colleagues who oppose the bill even though they sought similar aid when disaster struck their districts.

“Mr. Speaker — I would say to my friends — why should New Jersey and New York be treated any differently? ” Runyon said. “My friends should ask themselves what would they do if it was their district that suffered the amount of catastrophic loss that many of the families and businesses in my district now face.”

Democratic Congressman Frank Pallone said that Republicans that opposed the aid do not understand the extent of the damage.

• Tweet