murphy and mr. ross and i commend them for the attempts that they have made to have this bipartisan issue. this bill we are discussing today, 2901. i recognize there are some concerns and i think you have identified some of the same concerns that i have but i want to know from you, do you think it is possible to have this private, more private participation and involvement in the ways that mr. ross and mr. murphy would have it? do you think we can work this out? >> i think yes, absolutely. we can get more private market involvement and flood insurance but with respect i don't think h.r. 2091 is the way to go with that. one of the problems with nfip is various and conflicting requirements, make insurance affordable but not only have premiums that are sufficient to pay claims but payback all of the claims in the past that were far in excess of the revenues. when you have those conflicting things, how do you address that? what would happen with h.r. 2091 is surplus lines insurance would cherry pick certain

murphy and mr. ross and i do commend them for the attempt that they have made to try and this have a bipartisan issue. this bill that we are discussing today, 2901 but i recognize there are some concerns and i think that you have identified some of the same concerns but i want to know do you think it's possible to have this private, more private participation and involvement in the ways that mr. ross and mr. murphy would have it and do you think we can work this out? >> absolutely. we can get more private market involvement and flood insurance and with respect i don't think that hr 2091 is the way to go with that. and one of the problems with the nfip is the various and conflicting requirements. make insurance affordable but not only have premiums that are sufficient to pay claims but pay back all of the claims in the past that were far in excess of the revenues. so when you have those conflicting things, you know, how do you address that? so what would happen with hr 2091 is that the surplus lines insur

murphy and mr. ross and i commend them for the attempts they have made to try to have this a bipartisan issue; this bill we are discussing today -- 2901. i recognize there are concerns. i think mr. birnbaum you have identified some of the same concerns that i have. but i want to know from you do you think it is possible to have this more private participation and involvement? >> i think yes. but with respect i don't think hr-2901 is the way to go. one of the problems with the nfip is had various and conflicting requirements. make insurance affordable but not only have premiums that are suspigs -- sufficient. when you have those conflicting things how to you address that? what would happen with hr-2091 is the surplus line insurers would cherry pick policies. the nfip looks at a specialized flooding area and has 30 risk areas one being there highest elevation and lowest risk and 30 being the highrest risk and lowest elevation. they will pick off everyone from 1-14 and leaving the nfip with every everyone f

ross and mr. murphyuld allow the greater the matures and private market participation does so under the provision that the state insurance commissioners on the foundation regulatory system in an overall bipartisan fashion to protect. by removing around what qualifies but insurance property owners will be assured of greater options and flexibility in their choice of policies with private competition to the publicly admitted to will also promote competition in markets which have previously been underserved. i would like all americans who have suffered from flood damage to create a program for flood insurance that is stable, accessible and cost-effective. before i yield, i ask unanimous consent to insert into the record h.r. 2901 from pci, aia, cia the common national association for professional insurance agents, financial service roundtables, smarter safer coalition and the association of realtors, nba, aba in the multifamily housing council. as you can see, there's wide support across the spectrum. this

tacony-palmyra bridge traffic is moving, we expect it to go up any minute, head to the betsy ross bridge instead. >>> david murphyf cold and breezy. take a look we have 29 degrees in philadelphia. definitely on the cold side. when you factor in the winds which are blowing in the teens and gusting higher it feels like 16 in philadelphia. that's the worst windchill over anytime in the last several hours. we actually were a little bit better a couple of hours ago. 37 degrees, windy and colder. windchills in the 20s at the best of times. tomorrow, 44, clouds increasing. late in the day or evening there's a chance of rain or snow shower, probably not a lot of coverage, but slow down if you see that. blustery and colder on wednesday, 31 feel like the teens. >>> philadelphia police are investigate an anonymous claim that the gunman that targeted a police officer last week may be part of a group of radicals. we'll have more on that at noon. >>> "live" with kelly and michael is up next. i'm matt o'donnell. have a great monday and great week. >> it's "live! with kelly & michael." today, from the new film, "13 hours: the se

murphy of knoxville to both cases. he's now charged with sexual abuse in both cases. central iowa authorities are sex offender... officials say 26 year old ross clouse didn't return to a des release facility friday night. clouse is serving a lifetime special supervision sentence after having his original sentence discharged. that was for "sex abuse" and "indecent contact with a child." he's about 6 feet, 3 inches tall and weighs around 254 pounds. if you know where he is, call des moines police or the polk county sheriff. west des moines residents have the opportunity to step into the shoes of those who keep them safe. enrollment is now underway for the police department's 4th "citizen academy." the academy will offer a first hand look into the life of law enforcement. participants must live in the city, be 18 years or older, and have no criminal history. the 12 week program begins on march first and runs through may 24th. there are just 25 spots available. the bird flu is back in the midwest... the "u-s-d-a" has confirmed the virus has infected a commercial turkey farm in indiana. the flock is located about 400 miles from the iowa border. it

ross. >>> it is tuesday, january 6th, 2016, coldest day in ten months. >> also, it is the day chris murphyer because keurig has been delivered, and you you didn't buy in. >> that is a good point. you know what here's the thing i can run upstairs and get the free coffee. >> but you haven't yet. >> you know why. >> free coffee upstairs, or keurig downstairs. >> i know. >> we need, some coffee, it is so cold outside. so here's the deal, it is so warm in december. >> um-hmm. >> is this unusually cold for january. >> it is below average. yes, below. we really took the plunge and can you see bus stop buddy, this is good, a as little exposed skin as possible, is what you want because it is so bitterly cold out there. temps are in the teens. our chills are below zero and we will give you a four out of ten because of all that today and here we are with the actual temperatures, teens, single digits, depending on where you are, these are the important numbers dress for wind chill, it feels like 21 below in mount pocono, 4b low in philadelphia, and 4b low in atlantic city, it feels like zero in wilmin

ross bridge to girard. mass transit, new jersey transit river line they have communications issues, half-hour delays in both directions. >>> it's a winters day, but david murphybad. >> reporter: it's going to get milder later on, but right now you need a coat. we're at 32 degrees, the freezing mark in philadelphia. the different today winds are lighter than a couple of mornings ago, so we're not dealing with severe windchills. this afternoon 52 degrees is the high increasing clouds. we'll see rain, but probably not until after 9:00 p.m. tonight. rain ends quickly saturday morning. saturday afternoon is looking good. >>> that's it for us, we'll send you back to the last half-hour of "g.m.a." and we'll see you for another update. >>> grouchy morning, america. so, why isn't anybody reporting my oscar nomination? here's one of my favorites. >> "sesame street." >> i'm a guy name ernie. >> we made it here because we got up herlihy. >> "sesame street" is here to say. >> all: a big great morning to "gma." >> yeah. >> that's what i'm talking about. >> thank you, guys. i think deserve a nomination for that one. great to have them back here. they're straight out of "ses

ross bridge to girard. another accident bristol road at davisville road. starting to get busy in traffic matt. >> thank karen. looking for the first flakes of the season. let's go to meteorologist, david murphy sun over the terrace. matt it's cold to start out though. 26 degrees currently in philadelphia, 23 in allentown. and a light breeze giving us wind chills in the teens across the northern tier of the region. your exclusive accuweather 7-day shows an improved high of 44. but during the afternoon and evening there will be some occasional light snow showers popping through, a coating on grassy surfaces is possible in the northern suburbs in particular later on in the day and tonight. roads staying mainly wet but take it slow in case you see snow. thirty one blustery and cold tomorrow and back to 41 thursday. matt by friday pushing back throws close up to 50. >> the new jersey legislature passed a bill that would raise the smoking age to 21 years old in the state it's unclear if governor christie will sign it. >> ♪ ♪ i want to dream >> some dream of falling in love. >> i really like him. >> i think we have a real shot. >> others dream of galaxies far, far away. >> force. >> it's calling to