Robert Menendez actually said...

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

"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."