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Times the 1st resort for insurable property that was not insured and those losses again it is a decision that we have to look at how to best ensure communities are able to rebuild but at the same time dont support or continue growing the risk. We have to understand there is a a certain amount of risk out there. The exposure for just south florida for a repeat a repeat of the great Miami Hurricane would be in the hundreds of billions of dollars with federal cost exceeding both sandy and katrina. It is, i think something we need to look at. We have to make sure as we go in after a disaster they are setting the stage for the future. We continue to see new disaster aid programs emerge ad hoc in reaction to disasters. They all seem to have different rules and requirements and do not seem well coordinated all we are focused on obtaining the best outcomes. Is this Something Congress should take a look at so that we can streamline programs and ensure that they are Cost Effective . Mr. Chairman

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