Insurers are acutely aware of the fact that time does not heal all wounds.

As Sandy victims struggle to rebuild their lives—and homes—ruined by last year's storm, P&C insurers face heavy scrutiny from both policyholders and the general public. While some of this can be attributed to media prejudice toward the industry, some property owners are saying that insurers need to do a better job handling the influx of claims.

About a month ago, J.D. Power reported that policyholders in Mid-Atlantic States were "very dissatisfied" with how their Sandy-related auto claims were processed, particularly those deemed total losses. Total loss claims of course, are intrinsically problematic under even the best circumstances, as happy outcomes and by extension customers are few and far between. However, the findings of a subsequent report focusing on property claims suggests there is much room for insurers to improve.