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 they 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 ar few and far between. catastrophe happens. gerri: documenting your losses, a lot of people don't know to do thank you for coming on tonight. it is so great to see you guys. thank you so much. >> thank you. now we want to kno what you think. here's a queetion tonight. do insurance companies shortchange consumer. >> log 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 against president obaa's signature law. with more on this we have bradley graham, a former adviser to president geoe w. bush. is this the