A neighbor passed her going up, also dragging water -- all the way to the 16th floor.

In her cold apartment, Williams explained how she layers four pairs of pajamas and blankets to stay warm at night.

"I put this on, and then I put this over it. Then pants on. Then this over it. Then, this comforter."

Sen. Chuck Schumer, D-New York, told insurance companies Sunday not to force hurricane deductibles on homeowners suffering from Sandy's aftereffects.

Unlike regular deductibles that require property owners to pay a set dollar amount -- typically $500 or $1,000 -- hurricane deductibles often require payments of between 1% and 5% of a property's value. For example, a policyholder with a house valued at $300,000 and a hurricane deductible of 5% would have to pay $15,000 toward damage repair before insurance payments kick in.

The National Weather Service has said Sandy didn't meet the technical criteria to be labeled a hurricane when it made landfall. Instead, it classified Sandy a "post-tropical cyclone."