mr. pascrell. mr. pascrell: mr. chairman, i appeal to you to make this an urgent issue. urgency i think is very critical here. so i rise in opposition to the previous question so we can consider the homeowner flood insurance affordability act. in the wake of hurricane sandy, over 74,000 national flood insurance claims were submitted in new jersey from policy holders. $3.5 e, the nfip has paid billion in sandy claims and has served as a lifeline to thousands of new jersey residents whose lives were turned upside by the storm. the funds paid out through those claims have helped our neighbors rebuild homes, businesses, regardless of what political affiliation, persuasion. we were all affected by this. estimates indicate that the total cost of sandy will be $12 n $5 billion and billion. so it is true that we need to make changes to make sure that the nfip remains solvent. the rollout of the 2012 reforms to nfib have issues. i'm hearing from constituents in little ferry particularly, which were devastated by sandy. this is destroying property values, disrupting the real estat