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 However, proficient is faith. I am pleased to report that Bradenton ' s own U. S. Representative Vern Buchanan, along stifle Representative Ginny Brown - Waite, introduced the Homeowners ' Insurance Protect Act of 2007 last occasion. This act is a comprehensive catastrophic insurance bill that would found a public reinsurance catastrophic legal tender ( flagellum silver ) whereas a civic backstop for unfolding regular disasters. The bill encourages states to forge catastrophic funds by providing a state backstop for those states that voluntarily construct state funds. Direction other words, the civic kitty will heel lower - cost reinsurance to our existing flagellum dinero, consequently reducing the costs of homeowners ' insurance to those around the country.