New Jersey's top insurance regulator says he is satisfied with the industry's response to Sandy "at this point," noting that the department has received no more than four written complaints from consumers so far.

In an interview yesterday, Acting Commissioner Kenneth E. Kobylowski, of the New Jersey Department of Banking and Insurance, compared the number of complaints to Tropical Storm Lee last year, where the department received a total of 27 valid complaints. All were resolved after discussions with company officials and the insured. None of the complaints resulted in administrative action.

"I fully expect the insurance industry to work just as well this time around and there is no reason for the industry to act otherwise," he says.

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