Well, I think human nature is going to indicate exactly what is going to happen in cases like that.

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

That is fundamentally unfair.

You do not have to live under the deadline, and there is no consequence to you--not you personally, no consequence to the agency--for not meeting the deadline, but there is a consequence for the policyholder for not meeting the deadline.

If you do not track this information, I do not know how exactly you know there is a problem until it gets so big that you realize there is a problem.

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

We are ready and able and willing to go, and we will do so if you bring us information.

I mean, I think that there is a high successful appeal rate is a red flag that initial claims adjusting is flawed.

After 40 years of public life, I have a basic philosophy. If I hear one person complain about something, maybe they are just not happy. If I have two or three people complain about it, maybe it is a coincidence. When I have hundreds…

the effects of Superstorm Sandy, though the storm may have come and gone, the effects continue to be felt in grievous manners every single day by people all across the State of New Jersey.

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

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 FEMA considers as an overpayment.