Bill Nelson actually said...

"So these policies that look only one to three years in the future, is that the reason that the insurance industry really hasn't come to the table as a partner in this climate change concern?"

"if you are not at the table, you are on the menu."

"So, ergo, does that mean that the cost of insuring against wind damage becomes greater?"

"And you already have this in the works in anticipation of this fall."