首页
登录
职称英语
Each year, more US properties within floodplains are destroyed by flooding t
Each year, more US properties within floodplains are destroyed by flooding t
游客
2023-11-12
31
管理
问题
Each year, more US properties within floodplains are destroyed by flooding than fire. Changing weather patterns, increased urban development, and the leveling of forests have reduced the land’s natural ability to absorb water. As flooding becomes a common occurrence, property owners need to face the facts. Flood damage can happen anytime, no matter where you live.
Flood insurance, which is financially backed by the US Government through the National Flood Insurance Program, is available through Homesite Insurance and the Home-site Insurance Agency. The National Flood Insurance Program(NF1P)through the Federal Emergency Management Agency is the primary provider of flood insurance. The Homesite Insurance Company acts as a " Write-Your-Own" company on behalf of the NFIP. "Write-Your-Own" companies sell and service flood policies and the NFIP pays the claims.
Property owners know a Homeowners policy covers fire damage, but most don’t realize that it won’t cover flood or mudslide damage. Rising waters and debris can destroy your home, business, and personal belongings within minutes. Most floods don’t qualify for federal disaster aid. Only floods that are declared national disasters by the President qualify for federal assistance. This assistance is in the form of a grant averaging less than $2, 500, or a federal loan that must be paid back with interest. That’s in addition to payments on your existing mortgage loan!
Only flood insurance protects your home and your belongings from damage caused by rising water or mudflow. Flood insurance is available for the value of the structure minus the land value. Contents coverage is also available, but is optional and must be requested. Even if you’ve had previous flooding, you can still buy flood insurance. If you’ve received disaster assistance before, you must first obtain flood insurance to be eligible for future federal relief.
The average flood policy is only $324 a year—that’s less than $1 a day. Compare that to a typical disaster loan of $50, 000, costing more than $300 a month for over 18 years! Flood insurance pays all covered claims even if a federal disaster is not declared. Claims are paid quickly so victims can recover faster. You can even get a partial payment right away to get started. Flood coverage is available up to $250, 000 for your home, and up to $100, 000 for the contents.
Anyone can buy flood insurance if his/her property is located in a community that participates in the National Flood Insurance Program. Homes, condos, apartments, and business structures are all eligible. Even renters may purchase flood insurance for their possessions. Since flood premiums are set by the US government, your rate is the same from any insurer. [br] Who is in charge of paying the claims?
选项
A、The Homesite Insurance Company.
B、Federal Emergency Management Agency.
C、National Flood Insurance Program.
D、 Write-Your-Own company.
答案
C
解析
细节题。从文章第二段末句“‘Write-Your-Own’companies sell and service flood policies and the NFIP pays the claims.”可以得出正确答案为[C]。
转载请注明原文地址:https://tihaiku.com/zcyy/3179843.html
相关试题推荐
Eachyear,moreUSpropertieswithinfloodplainsaredestroyedbyfloodingt
Eachyear,moreUSpropertieswithinfloodplainsaredestroyedbyfloodingt
Iftheheavyrainhad______withanextremehightide,severefloodingwouldhave
Thereshouldberoomforprogramsofworldnewswithinchildren’s______.A、rang
Thecompanystipulatedthatthiscontract______fulfilledwithinonemonth.A、isB
MostChinesepeoplewenttoworkbybikewithinliving______.A、mindB、knowledge
Afast-foodrestaurantwithinabout500feetofaschoolmayleadtoatleas
Afast-foodrestaurantwithinabout500feetofaschoolmayleadtoatleas
Thereductionof______UNpeace-keepingtroopswithin3monthsfromRwandaisa
About______catsanddogsaredestroyedeachyear.[br][originaltext]Oneo
随机试题
[audioFiles]audio_etoefz_049(20051)[/audioFiles]A、Sheshouldhaveaskedtobee
某基坑工程,地下水位低于开挖底面无需降水,基坑工程监测范围根据()等综合确
在制备石灰稳定土无侧限抗压强度试件时,要向土中加水拌和浸润,加水量应满足(
新坪村地处城乡结合部,18周岁以上的村民有720人,240户家庭,村民代表共24
关键绩效指标体系的设计包括( )。A.战略地图 B.任务分工矩阵 C.目标
男,51岁,近3年来出现关节炎症状和尿路结石,进食肉类食物时病情加重。该患者发生
个人住房贷款可实行的担保方式是()。A.抵押、信用、质押 B.抵押、信用
依据我国著作权法,表演者享有的权利中不包括()A.表明表演者身份的权利.
A.花蕾期 B.落果期 C.霜降期 D.7月至9月 E.全年均可松萝的适
慢性支气管炎病人的自主神经功能失调表现为A.副交感神经功能亢进 B.交感神经功
最新回复
(
0
)