we want to have a safe home you have to take a little bit of a lower risk herriot. gerri: what do you do to make sure that the get the catastrophic coverage that they need? >> get the most radical agency and spent a lot of time get the adjuster. get a professional to help you. regular ones are few and far between. catastrophe happens. gerri: documenting your losses, a lot of people don't know to do is thank you for coming on tonight. it is so great to see you guys. thank you so much. >> thank you. now we want to know what you think. here's a queetion tonight. do insurance companies shortchange consumer. >>og onto gerriwillis.com, but on the right-hand side of the screen and i will share the results at the end of the show. listen to this one, my friends. if you are feeling shortchanged, some are feeling shortchanged by obamacare. one of the biggest supporters of having buyers remorse. more and more labor unions are coming out publicly ainst president obama's signature law. with more on this we have bradley graham, a former adviser to president george w. bush. is this