As a second New Year since Superstorm Sandy approaches, many coastal residents are still waiting for New York, New Jersey and New York City to distribute billions of federal dollars that were intended to go directly to people struggling to rebuild their homes. Only a fraction of that money has been spent, leaving storm victims at the mercy of a frustrating maze of bureaucracy. Depending on where they live, the checks could be anywhere from days to many more months away. Congress approved a roughly $60 billion Sandy aid bill last January, setting aside a large chunk of that money...