Federal Disaster Insurance, Hearings Before ..., 84:1- ....

HEARINGS

BEFORE THE

COMMITTEE ON BANKING AND CURRENCY

UNITED STATES SENATE

EIGHTY-FOURTH CONGRESS

FIRST SESSION

BILLS TO PROVIDE INSURANCE AGAINST NATURAL AND

MANMADE DISASTERS, AND FOR OTHER PURPOSES

PART 1

OCTOBER 31 AND NOVEMBER 1, 1955—WASHINGTON, D. C.

NOVEMBER 3, 1955-NEW YORK, N. Y.

NOVEMBER 4, 1955—GOSHEN, N. Y.
NOVEMBER 9, 1955—BOSTON, MASS.
NOVEMBER 10, 1955—PROVIDENCE, R. I.
NOVEMBER 14, 1955—HARTFORD, CONN.
DECEMBER 19, 1955—RALEIGH, N. C.

Printed for the use of the Committee on Banking and Currency

COMMITTEE ON BANKING AND CURRENCY

J. W. FULBRIGHT, Arkansas, Chairman
A. WILLIS ROBERTSON, Virginia

HOMER E. CAPEHART, Indiana
JOHN J. SPARKMAN, Alabama

JOHN W. BRICKER, Ohio
J. ALLEN FREAR, JR., Delaware

IRVING M. IVES, New York
PAUL H. DOUGLAS, Illinois

WALLACE F. BENNETT, Utah
HERBERT H. LEHMAN, New York PRESCOTT S. BUSH, Connecticut
A. S. MIKE MONRONEY, Oklahoma

J. GLENN BEALL, Maryland
WAYNE MORSE, Oregon

FREDERICK G. PAYNE, Maine
J. H. YINGLING, Chief Clerk
ROBERT A. WALLACE, Staff Director

CONTENTS

Pago

Lehman bill...

Sectional analysis.

Kennedy-Saltonstall bill.

Aitken, Harold L., Executive Assistant Administrator, Federal Civil

Defense Administration.

Ballentine, L. Y., commissioner of agriculture, State of North Carolina - 841

Barnes, Wendell B., Administrator, Small Business Administration 200

Belanger, J. William, president, New England Conference of CIO

Councils, accompanied by John E. Coleman, CIO representative

with Red Cross in central Massachusetts disaster area, Luther

Lincoln, and Charles G. Vassar.

544

Bell, Lloyd B., member, South Carolina House of Representatives 869
Bergin, Edward D., mayor-elect, Waterbury, Conn.

777
Bisland, Edward, Jr., member, board of supervisors, Sullivan County,
VY

397

Bisson, George A., insurance commissioner, State of Rhode Island -- 599

Brown, Edwin C., secretary-treasurer, Rhode Island Federation of

Labor..

646

Bunker, Ellsworth, president, American National Red Cross.

721

Burke, Wallace, chairman, town council, Farmington, Conn..

783

Carle, Edward C., town of Rochester, N. Y..

384

Carmichael, George T., senior vice president, New York, New Haven &

Hartford Railroad.

751

Carroll, William, mayor, Torrington, Conn.

775

Casey, James P., mayor, Bristol, Conn.--

770

Cleaveland, Stuart, president, W. W. Mertz Co., vice president, Con-

necticut Retail Merchants

Association, and chairman, smaller stores

division, National Retail Dry Goods Association.

800

Cole, James E., mayor, Port Jervis, W. Y...

374

Coleman, Kevin R., mayor, Woonsocket, R. I., and William S.

Farrell, executive director, Industrial Development Foundation of

Greater Woonsocket.

603

Condon, Maj. Gen. Robert, director of civil defense, and chairman of

Metropolitan Area Defense Planning Board, New York City -

286

Cooley, Harold D., a Representative in Congress from the State of

North Carolina_

827

Cretella, Albert W., a Representative in Congress from the State of

Connecticut...

745

Crystal, Frank, New York, N. Y.

254, 276
Cully, Joseph, president, Staten Island Flood Control Association... 315
Curtis, Lawrence, a Representative in Congress from the State of
Massachusetts

506
Daley, Fred, president, Torrington Flood Control Association

811
Davenport, Edward, town of Rochester, N. Y.

384
Dawes, s. Watson, Ocean Drive Beach, S. C..

869
Demerest, William M., member, Board of Supervisors, town of
Chester, Orange County, X. I.--

404

Dichter, Irving, executive board member, District 6, International

Union of Mine, Mill, and Smelter Workers..

807

Statement of_Continued

Page

Dodd, Thomas J., a Representative in Congress from the State of

Connecticut

732

Driscoll, John J., secretary-treasurer, Connecticut CIO council; ac-

companied by Fred Racine, Danielson, Conn., and Michael

Zmuda, president, Auto Workers Union Local, Seymour, Conn.--- 789

Duffy, John J., Rosendale, N. Y.---

399

Ervin, Sam J., Jr., a United States Senator from the State of North

Carolina

822

Falcey, William H., civil defense director, Mercer County, N. J.- 285

Farrell, John H., executive secretary, Southeastern North Carolina
Beach Association.

880

Farrell, William S., executive director, Industrial Development Foun-

dation of Greater Woonsocket, R. I.

603

Finkelstein, Robert, on behalf of flood-control committee, Woonsocket

Chamber of Commerce..

608

Fleming, Brig. Gen. Robert J., Jr., division engineer, Corps of Engi-

neers, United States Army-

613

Fogarty, John E., a Representative in Congress from the State of

Rhode Island.

579

Follin, James W., Director, Urban Renewal Administration.

172

Forand, Aime J., a Representative in Congress from the State of

Rhode Island

572

Freeman, Hovey T., president, Manufacturers Mutual Fire Insurance

Co., Providence, R. I., accompanied by Ambrose B. Kelly, general

counsel, Associated Factory Mutual Čos.-

632

Gary, John, Ellenville, N. Y.

387

Gesaldo, Frank, alderman, Middletown, N. Y.

345

Glusker, Eugene, mayor, Ellenville, N. Y..

387

Gold, Charles, commissioner of insurance, State of North Carolina 831

Goodman, Tom, Regional Director, Federal Civil Defense Adminis-

tration

855

Grace, Dorice S., assistant attorney general, Commonwealth of

Massachusetts

542

Green, Theodore Francis, a United States Senator from the State of

Rhode Island.

568

Griffin, Gen. Edward F., director, North Carolina Civil Defense

Council

842

Gurda, Michael A., Black Dirt Emergency Committee, Orange

County, N. Y.

367

Hammond, Maynard, member, Board of Supervisors of Deer Park,

N. Y.--

347

Harriman, Averell, Governor, State of New York..

260

Harris Seymour E., chairman, New England Governors' Textile

Committee, and chairman, economics department, Howard Uni-

versity

450

Herd, J. Victor, president, American Insurance Association.

756

Herter, Christian A., Governor, accompanied by Richard Preston,

commissioner, Department of Commerce, State of Massachusetts.-

429

Hodges, Luther H., Governor, State of North Carolina -

819

Holz, Leffert, superintendent of insurance, State of New York..

329

Honig, Leo, Anglo Fabrics, Webster, Mass..

318

Hunt, Jarvis, general counsel, Associated Industries of Massachu-

setts.

535

Hussey, W. H., Ocean Drive Beach, S. C..

869

Jones, Christopher H., Black Dirt Emergency Committee, Orange

County, N. Y.

367

Jones, Roger W., Assistant Director of the Bureau of the Budget for

Legislative Reference.

30, 57

Kaiser, Charles F., Ellemville, N. Y.

387

Kelly, Ambrose B., general counsel, Associated Factory Mutual Co.. 632

Kennedy, John F., a United States Senator from the State of Massa-
chusetts..

414

Kinsella, James, deputy mayor, Hartford, Conn..

768

Kirby, John F., president, Rhode Island Association of Insurance

Agents.

647

Ladd, Paul R., general manager, Greater Providence Chamber of

Commerce

648

Page
340
373

437

409

397
877
338
399
380
302
340

895

554

Statement of—Continued

Latini, Peter, alderman, Port Jervis, N. Y.
Le Mon, F. E., Warwick Township, N. Y.
Macdonald, Torbert H., a Representative in Congress from the State

of Massachusetts.-

Mann, Julius, State director, Federal Crop Insurance Corporation,

Department of Agriculture-

Marshall

, Burton, member, Board of Supervisors, Town of Rochester,

N. Y.

Mason, Norman P., Commissioner, Federal Housing Administration -

McMurray, Joseph P., commissioner of housing, State of New York..

Meist rell, Frank J., Deputy Administrator, Housing and Home

Finance Agency

Mertz, Henry, Wallkill Valley, N. Y.
Michaels, Mortimer, member, Board of Supervisors, Sullivan County,

N. Y..
Middleton, E. F., Mayor, Long Beach, N. C..
Mills, Louis V., Mayor, Middletown, N. Y.
Mollenhauer, George, Rosendale, N. Y.
Moncheur, Romeo, Deer Park, N. Y..
Monatt, Samuel M. Stroudsburg, Pa..
Murphy, James, alderman, Port Jervis, N. Y
Murray, Hugh H., Jr., for the National Association of Mutual Insur-

ance agents.--
Noonan, Joseph D., on behalf of Smaller Business Association of New

England, Inc.

Olmstead, Orvil R., assistant Commissioner for Programs, Public

Housing Administration.

O'Neill, Thomas P., Jr., a Representative in Congress from the State

of Massachusetts..

O'Reilley, Edmund J., president, Rosendale, N. Y., Flood Committee..

Pahucki, Barney J., Black Dirt Emergency Committee, Orange

County, N. Y

Parsells, Norman King, majority leader, House of Representatives,

Connecticut General Assembly

Patterson, James T., a Representative in Congress from the State of