You can’t believe it’s happening again. It seems like yesterday when you purchased your second home – a modern masterpiece just a few hundred yards from the beach in Sag Harbor – only to have it nearly levelled by Superstorm Sandy. The floor-to-ceiling windows that sold you on the property were shattered, and the recently renovated great room was under several feet of water. Outside, magnificent Linden trees, some hundreds of years old, had been felled by gale-force winds and were waiting to be carted away. The aftermath of the storm was one of the most stressful times in your life. It was bad enough having to throw out the furnishings you and your spouse had chosen with such care and excitement; losing the eclectic collection of artwork and other items, most of which had been inherited from your…