with us now is chip merlin. we have these victims of a horrific tornado. this rally strong ef5 tornado. now, the residents are being told that ttey will get a small payout. >> first of all, the deductibles have been going up much more frequently than has happened in the past. policies are being rewritten. there is less coverage. it is a problem not just for homeowners and businesses as well. gerri: i sign policy, i am paying my deductibles, i am doing everything am supposed to do. how is it they can ratchet the money on getting? >> i think it depends on the adviser that you have. there are insurance companies coming back that are less rest inevitable. if you have a good advisor through the process and you have a good company, you're going to have a good and clean settlement. gerri: i've been covering this kind of thing for about seven years now starting way bak with a hurricane in new orleans. i have seen more people who are unhappy with their settlements. then i see people who are happy. ere's something there is something wrong with the system. what is it

and i want the chairman of that committee to know that she must be merlin the magician, because in rapid fashion she brings the bill out of her committee and to the floor, along with her ranking, the senator from louisiana, senator vitter, and -- and this water bill is so important to the future of our country. and it's so important to infrastructure in this country. and so i just commend the chairman and the ranking member for the rapidity with which they have worn out the leadership in order to get the leadership's attention to bring it to the floor. now, what senator blunt and i are sponsoring is common sense, and anybody who's been through a hurricane or a tornado or any other kind of natural disaster knows what new building codes have done. well, there's a -- there's a fancy new term now called resilient construction, and the resilient construction is making it more resilient in the withstanding of a natural disaster. i'll never forget flying in a national guard helicopter after the monster hurricane in 1992, hurricane andrew, that hit a relatively unpopulated part of miami dade cou