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Fitzpatrick Report

With Congressman Michael G. Fitzpatrick & Mr. Steven Kanstoroom

On April 14, 2005, the House Subcommittee on Housing and Community Opportunity Subcommittee held a National Flood Insurance Program (NFIP) oversight hearing. The hearing was in response to congressional requests from Representatives Davis, R-VA, Hart, R-PA, the Maryland Insurance Commissioner and others.

Congressman Michael Fitzpatrick, R-PA, chaired the hearing and was so concerned with issues uncovered regarding the NFIP, and the related impacts upon his constituents, he subsequently had thirty minute public service announcement produced.


Hello, I am Mike Fitzpatrick. As your congressman, I am proud to serve the 8th District of Pennsylvania. One of my duties in Washington is to make sure that when my constituents require assistance from the federal government, they receive the best possible information in their time of need.

As a member of the House Financial Services Committee, I recently chaired the Subcommittee on Housing and Community hearing regarding the National Flood Insurance Program where I learned of the problems within the program that in many cases are resulting in inadequate settlements to flood victims.

Due to the floods of last September and more recently last month, I thought it necessary to present you with the facts to help you receive the benefits that you bought and paid for.

For these reasons, I am committed to assuring that you receive what you are entitled to under your flood insurance policies. To that end, I have asked Mr. Steven Kanstoroom to present you fundamental information regarding the operations of the National Flood Insurance Program and its claims adjusting process.

Mr. Kanstoroom, a pattern recognition and fraud detection expert who has spent 6,000 hours investigating the NFIP and its claims adjusting process, has been instrumental in two Congressional Hearings. Former Federal Insurance Administrator Anthony S. Lowe stated that “the National Flood Insurance Program relies on such a complex interaction of private insurance carriers, adjusting firms and third-party administrators that, despite decades of experience by top the National Flood Insurance Program officials, no one in the program fully understands all of the nuances of how the system works. But somehow Steven Kanstoroom has put together the big picture in a way that others haven’t”.

I met Mr. Kanstoroom when I chaired a Subcommittee on Housing and Community Opportunity, a hearing last month, and I was taken aback by the information that he has uncovered. That is why I am sitting next to him today, asking him to share his information with you. Steven, welcome.

Click here to view the video.



Last Modified: 060305 114001

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