A number of home and cottage honors are finding their insurance policies insufficient to cover costs

In a typical year, Labor Day weekend would be full of family and fun for those with homes and cottages along Seneca Lake in Lodi Point. But, after devastating floods last month, residents are still doing hard labor to try and get things cleaned up.

Drive up and down Lower Lake Road in Lodi and you'll see giant piles of debris full of the contents of people's homes.

You'll likely also see William Shangraw on a piece of heavy equipment working to clear his property.

Shangraw owns the Sunset on Seneca Mobile Home Park, where 38 units were washed away, some with people inside, during the flooding in August. Some of the campers and mobile homes actually ended up in Seneca Lake, though no one was injured.

At that time, Shangraw was just thankful that everyone made it out alive — but now that the water is gone, the devastation it left behind may mean none of what was lost can be replaced.

"We've got engineers working on plans and assessing what the cost is going to be to see if it's even feasible to rebuild or not," he said.

Shangraw thought he had a great insurance policy.

"When we bought the business, I wanted to make sure that I was covered for everything, I got the deluxe plan but apparently that doesn't cover water," he says.

It's the same problem home and cottage owners all along the lake in that area are facing.

They're not technically in a designated flood plain so most didn't have a separate flood policy, and traditional homeowner insurance policies don't cover the cost of cleanup or repair due to damage caused by flood waters.

"The back-end has to go and the porch has to go, but we want to keep the main part because it's 118 years old. ... I think it was the first cottage on the point," said Mary Mehaffey.

Mehaffey's cottage has been condemned,and she's currently trying to figure out what's next. She's retrieved whatever mud-covered belongings she can.

"The things that I couldn't, I just had to close my eyes and let them go," Mehaffey said.

Both Shangraw and Mehaffey say they were optimistic that they'd get some help from New York state after Governor Andrew Cuomo toured the damage in the hours after the flood.

Within a few days, Dumpsters and portable toilets were brought in but those will soon be removed.

The state has also committed to removing most of the debris from the shores of Seneca Lake but at this point, residents and small business owners say they're being left to pick up the pieces without any financial assistance or even the offer of low- or zero-interest loans.

Shangraw is frustrated that millions of dollars in state funding have been used to help the recovery effort in Puerto Rico, but he doesn't feel like the same is being offered in Lodi Point.

"Now that the news crews are gone, there's not the help that was here. ... I think it's more 'we just come to get our picture taken and then leave,' that's my feeling now," he said.