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
Mr. g guthrie mentioned it earlr and this is a flood event and a lot of these places may not have flood insurance. do you know how exposed these people are who don t have flood insurance. it these are people realtor says you are not in a flood zone. they are not going to get the flood smoosh. i totally understand why people don t do that. just because you are not, quote, in a flood zone does not mean that you are not at risk for a catastrophic event like this. i think you will see some clearly. how many, that remains to be seen. there are programs that fema has to try to provide relief for people but it is not going to be a commensurate to having had a policy we deal with this in other storms across the country including florida.