Robert Menendez actually said...

"I appreciate both of your testimonies because what I have come to believe is that structurally the system is stacked against policyholders."

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

"My understanding is they cannot appeal FEMA's determination that a claim was overpaid."

"So insurance companies have been obviously more concerned about making overpayments based upon the set of circumstances under which they now find themselves having to, in essence, pay clawback, what F..."