Jim Donald in Louisiana insurance commissioner joins right now morning commissioner you Dylan. You I'm doing well Leon -- site about my plan earlier about them on board and anything up anymore I'll just let the insurance company deal with -- -- then I got to think and about. The higher deductible and am -- not be used sound of a plan. Well I would get that in recent years -- urged Chia -- that start the year or -- ever want to eat. All the evacuation warning -- all. On the street wherever. We lost sixty Robert Bork polls citizens in the trade disaster we don't want to experience that again. But might first -- from an insurance perspective there's. We use this as a reminder that you need to get with Richard professional and review all -- needs a little while term here. But mostly property at the start here. Which covered and no it's not and by that I'm talking about which judge alluded to. And that is these named storm deductibles which war. The exception when Katrina visited -- Now prevalent problem execute search to Miami -- round -- of Mexico all coastal areas. I have built in -- reached many are stop the sir I'd say about bird. Our market it's it's probably. Damage opposite in Europe. Insured value so that you all insured. Under -- 200000 dollars. That deductible it's opposite. Of that 200000 dollars or -- and turn percent. 101000 dollars. Out of pocket for your insurance -- So if you have 111000 dollars of damage that insurance gonna help you with a thousand dollars of the. Exactly. And that's all these big national major insurers. Reduced their exposure. Coastal. Call -- -- In and that's two years ago we had problems or the year Archie -- I was born late last week you would. Richard Puerto. Your stories that that harbor survivors ready. Went in the water street at their match might check -- there that are urged the start of the year. Actually that's the national insurance program it is still steadily shops -- substantially subsidized. That we -- or away. The most benefited state in the union albeit that part pretty we are at risk from Freeport -- Everyone should access circle. In terms of bombs that deductible if it if for soft headed and disarm has been named to win. Well it -- that there from company to property so certainly are deductible and got ready student issue. Securing short years ago what it. -- all by the target dated wiggle quashed. Who stood straight it would still are curing or -- Most ball she spell out. Who's determined way in at all but it it there from 11 company to. I flood insurance no matter what plane you live and if you live -- here and and let's go north I mean. Is it like the commercial says no matter where you Libby should have flood insurance if you never know. About a quarter of the claims European IP great -- are in what's called what it's curious like report. About the grand Ole opry in brown and bill. Two years ago when it -- and is it all in. -- -- -- it is absolutely the best insurance property -- Can make in our state look could be a triple which should be years ago three years ago now to the very top. Well -- weapons and and Purdue beat Google locally. They did not global. But what are we are at risk for flash -- like we let him you're in the new world here and I'm really boring ball. I time's limited I just wanna ask you for people here and get a lot of attacks at live outside of that. Protection area that live on the lake with camps I mean and in terms of insurance the basically lucky -- we get it. No no it's a built built the building you can get it we Beecher and but it bears against -- property and accompanied. Can't factory and find out what your options are and know which have been reached and what you're at risk having become part of our. And if he gonna roll the dice on flood insurance which you shouldn't be is so when resident named storm or any storm in the gulf they won't write it. Thirty page -- albeit a -- pretty. And already our cable or tropical storm for companies. Stop writing what -- go but it will as. You got. Thirty grateful for the thank you commissioner appreciate you time and what is it like comic.