Robert Menendez actually said...

So insurance companies have been obviously more concerned about making overpayments based upon the set of circumstances under which they now...

the disincentives that the National Flood Insurance Program imposes on overpayments outweigh those that are imposed on underpayments

And isn't it a fact that Write-Your-Owns can appeal FEMA's determination of a claim that was overpaid?

But the bottom line is that this is about real people, real lives, real families, who do the right thing.