michael barry says insurance companies are already mobilizing to deal with damage from hurricane sandy. he's vice president, with the insurance information institute. >> what are insurance companies doing to be prepared? >> well, right now they're trying to figure out exactly where this storm is going to make landfall. as indicated they have mobile catastrophe units sent to the scene so that the insurers can go out and cater to their policy holders, help them file claims after the storm hits. right now, the big question is where is this going to hit? i saw a modeling company saying delaware, maryland, virginia, and moving west into populated cities like philadelphia. >> susie: it's covering a wide swath of states, and we're hearing there will be heavy floods and strong winds. so, you know, what's covered and what's not covered once it's all said and done? >> well, the good news for policyholders is wind damage and of course a hurricane, tornado, wind damage, that's a covered event. so what does a hurricane do? is knocks your roof off. it collapses your garage. these are covered events.

these props, michael barry, estimated in august mitt romney would run away with the election taking virtually states and they have updated their research to show why the former massachusetts governor does even better taking 330 of the total 538 electorial college votes. president obama they forecast takes 208 votes down 5 from their original forecast short of 270 votes needed. new mexico move to romney's win list along with north carolina, virginia, iowa, new hampshire, wisconsin, minnesota, the list goes on, pennsylvania, ohio and florida. look at that. obama is predicted to win michigan and nevada. impressive. the analysis flies in the face of many opinion research polls which shows a obama with a slight edge in many swing states like ohio. the buckeye state is critical because no republican has ever won the presidency without carrying that state. the bakers' analysis gives romney the edge due to his emphasis on the jobless rate and income. in september the jobless rate fell below 8% for the first time in forty-four months. incomes have cratered since the recession began in december of 2007

. >> michael barry from the insurance information institute joins us live on the phone. here to help explain what happens next. good morning, michael, are you there? >> yes, good morning to you. >> for my first question, do most people have the type of insurance necessary to cover the losses that they've experienced -- that they've likely experienced, flooding damage, perhaps damage to a roof, that type of thing? >> well, the short answer is yes when it comes to wind damage. wind-caused damage is a standard coverage in a homeowner's insurance policy, so you're covered for, as you indicated, roof damage. flood is a different thing because flood is excluded from standard homeowners' insurance policies, but a lot of homeowners in fema-designated flood zones don't have a choice, they had to buy flood insurance, so they're likely to be covered as well because flood insurance policy covers not only for a flood, but also a storm surge. the other coverage, you talked about falling trees, if a tree were to fall on a car, so long as you have comprehensive coverage and about 80% of

whether it's marion jones, michael veeck, barry bonds. the armstrong case is really its own dimension. primarily because of the extent he went to threaten other athletes in developing as well and making decisions that they really didn't want unmake to further his glory. and the venom and vengefulness with which he went against people the question him, journalists or newspapers, the u.s. anti-dumping agency. he did not just say he was innocent. he took a very venomous white superior -- swipes. >> were his runners-up claim? was anybody in this sport really claim? caution that is such a sad question. i've been there is an overwhelming amount of evidence that the time in which he dominated, the entire sport was just as dirty as could be. it was simply leveling the playing field in their mind. and then they compete from there. sadly, 21 of 22 finishers had confessed to doping or link to. there is no deserving bronze medalist horse over a matter less in the wings, and no one is deserving of the honor. people will tell you that the sport has lit

whether it's marion jones, michael veeck, barry bonds. the armstrong case is really its own dimension. primarily because of the extent he went to threaten other athletes in developing as well and making decisions that they really didn't want unmake to further his glory. and the venom and vengefulness with which he went against people the question him, journalists or newspapers, the u.s. anti-dumping agency. he did not just say he was innocent. he took a very venomous white superior -- swipes. >> were his runners-up claim? was anybody in this sport really claim? caution that is such a sad question. i've been there is an overwhelming amount of evidence that the time in which he dominated, the entire sport was just as dirty as could be. it was simply leveling the playing field in their mind. and then they compete from there. sadly, 21 of 22 finishers had confessed to doping or link to. there is no deserving bronze medalist horse over a matter less in the wings, and no one is deserving of the honor. people will tell you that the sport has lit

barry michael was weary as she strolled on the second day of the man had. she was struck by the owe amd, sky9, lights and was in the state of sheer humility and got a and offered up the silence brother of gratitude that looked like the first place of the savior. and as she reflected the figure approached roper this and. something told her the person was the man. it was not unusual to see someone walking at dawn but it was not uncommon. she grew more suspicious wondering if it might be the wanted man. he was big and tall and headed directly for her. he turned back to the convent tv and i am a stranger. she saw he was wearing a dark suit. how strange. he is supposed to be wearing a t-shirt and jeans. does he want to hide in the convent? what about the children? surge tank could win extending a hand combat was angeles county homicide. beginning in the 13th and century when the permit went to live in a grado. according to real testament it is with the believe that a test of faith, i'd decades order it was the 15th century mystic toward between the material and

we are covering it all with barclays market guru barry knapp and wells chief economist john silvia. at 7:30, lv sands coo michaelen will talk to us about business and politics and the changing face of computing, a closer look at tablets and their makers and find out which company has the upper hand and ceo doug oberhelman, its eight a big morning you can't afford to miss. >>> tech earnings take center stage, a quick look at the futures setting up the week the dow would open up 20 points higher, nasdaq as well as the s&p 500, including a down day on friday but ended up relatively flat for the week. here are your morning headlines. the average price for a gallon of regular gasoline in the u.s. fell more than eight cents in the past two weeks, average price $3.75 per gallon. the news is welcomed after a month-long period when gas prices averaged around $3.83 per gallon, the highest prices for gasoline was october 19th survey in san francisco by the way at $4.50 a gallon. japan's exports tumbled by 10.3% in the year to september, that's the sharpest decline since the aftermath of last year's earthquake. meantime, ba

barry casselman, i'm from minneapolis. i blog as the prairie editor and write for several publications here in washington. my question is for michael, but obviously, for the other panelists as well. many, myself included, have been critical of the polling that has taken place in most cases -- not all -- throughout this campaign season. and my criticism is that the, one of the things that happens in almost every poll is they're weighted, and they're weighted based on democrats and republicans and independents. is -- and it's my impression especially when i look at the meat of the polls where they explain who they, who they sampled is that there's an overweighting of democratic voters this cycle based pretty much on previous races that may not be applicable. i'd like your comments. >> well, karlyn has written and talked about this at some length. you know, basic polling techniques were developed in a country from the mid '60s to the mid 2000s was a country with universal phone land lines and a population that answered the phone when it rang. [laughter] we no longer live in such a country. the pew research center reports that only 9%