FREEPORT - An insurance industry group estimates that just 10 percent of Superstorm Sandy victims have been reimbursed so far.

The Insurance Institute of Washington, which represents flood and homeowners' insurance companies, insists that insurance companies have an obligation to avoid hastily handing out recovery checks. It's little consolation for thousands of Long Islanders who haven't been paid a penny for their homes that were knocked about or flooded out.

One such homeowner, Veronica Acosta, says she has a $250,000 flood insurance policy on her home. She says her insurer is only offering her a fraction of that amount, and has yet to pay her anything.

State Sen. Dean Skelos (R-Rockville Centre) says it's stories like these that have prompted the state Senate task force to visit the storm-ravaged neighborhoods of Freeport and Island Park. Skelos says the task force will make recommendations in a bid to speed up insurance checks in the future.

The task force aims to have its report ready by early February.