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the homeowner s policy will cover somebody things but the flood policy covers probably the most significant risk for most homeowners in florida given the risk of flooding we have in our state. we are sensitive to that obviously going to be some folks that are in need of support and relief we will work as best we can i will say people have been asking about some of the overall homeowner s insurance with like citizens. citizens, i think right now they are between 6 and 700 billion of surplus. modeling in terms of paying out a lot of money in claims still have 4 and 5 billion in surplus. they view themselves as being able to weather this. individual carriers they have to go through a stress test to have policies approved. this year they had tested under a direct impact on tampa bay and what would happen they have policy and reinsurance and wrap program and cap fund. citizens feel strongly they will be able to handle this and still have pretty significant reserves. okay. thanks s
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