首页
登录
职称英语
Each year, more U. S. properties within floodplains are destroyed by floodin
Each year, more U. S. properties within floodplains are destroyed by floodin
游客
2024-09-22
8
管理
问题
Each year, more U. S. 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 U. S. Government through the National Flood Insurance Program, is available through Homesite Insurance and the Homesite Insurance Agency. The National Flood Insurance Program(NFIP)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 $100,000 for the contents.
Anyone can buy flood insurance if his/her property is located in a community that participates in the National Flood Insurance Program. Homes, condos, apartments, and business structures are all eligible. Even renters may purchase flood insurance for their possessions. Since flood premiums are set by the U. S. government, your rate is the same from any insurer. [br] Who is in charge of paying the claims?
选项
A、The Homesite Insurance Company.
B、Federal Emergency Management Agency.
C、National Flood Insurance Program.
D、Write-Your-Own company.
答案
C
解析
细节题。从文章第二段末句“Write—Your-Own”companies sell and service flood policies and theNFIP pays the claims.可以得出正确答案为[C]。
转载请注明原文地址:https://tihaiku.com/zcyy/3769587.html
相关试题推荐
Eachyear,moreU.S.propertieswithinfloodplainsaredestroyedbyfloodin
Eachyear,moreU.S.propertieswithinfloodplainsaredestroyedbyfloodin
Eachyear,moreU.S.propertieswithinfloodplainsaredestroyedbyfloodin
Businessschoolsaroundtheglobearefacinga______shortagewithinthenextde
Intheopinionofthespeaker,____arebeingdestroyedterriblyatpresent.[br
Intheopinionofthespeaker,____arebeingdestroyedterriblyatpresent.[br
Intheopinionofthespeaker,____arebeingdestroyedterriblyatpresent.[br
Intheopinionofthespeaker,____arebeingdestroyedterriblyatpresent.[or
Yearsofcivilwarhavewreckedthecountry’sinfrastructureanddestroyeditss
Afast-foodrestaurantwithinabout500feetofaschoolmayleadtoatleas
随机试题
以下计算资产收益率(ROA)的公式中,正确的是()。A.ROA:净利润/年末总
关于砂的颗粒级配和细度模数,下列说法正确的有()。A.混凝土用砂以细砂较为适宜
阅读下列材料并回答问题。 材料一:20世纪以来,人们对鸦片战争的认识是个变化的
对肺心脑病病人,可采用的护患关系模式是A.主动被动型 B.共同参与型 C.指
运维记录台账等无法在PMS中录入的可以()。通过纸质形式记录$;$不
下列企业财务管理目标中,考虑了资金时间价值和风险的有()。A:利润最大化B:资
下列关于法律责任的表述,能够成立的有()。A.任何人都可以成为法律责任的主体
对银行而言,进行市场细分时,所要细分的“市场”是指()。 A.产品服务
在下列各项中,属于会计从业资格考试报名基本条件的有()。A:具备高中以上学历B
在模板设计时,作用在有效高度内的倾倒混凝土所产生的水平动力荷载取决于向模板内供料
最新回复
(
0
)