http___www.insuranceplanetfl.com_hr_flood-insurance_1.xml
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You don’t have to live in a high-risk flood zone to be affected by a flood. Floods and flash floods can occur anywhere, even in the desert. Just an inch of water can cause damage to your property. In fact, in the U.S., flood-related losses cost people more than a billion dollars a year. In the last five years, floods have affected all 50 states. About 20% of all flood claims come from areas that are considered low risk. Although area history and rainfall patterns are part of determining your risk level, other factors like land development, flood control measures in other areas, river flow changes and storm surge can increase the risk level in your community. Flooding may be localized or catastrophic. Many floods arrive with advance warning so you can prepare. Did you know most property insurance doesn’t cover flooding? The federal government runs the National Flood Insurance Program (NFIP), which issues flood insurance policies. Even if you have homeowners, renters, condo, landlord, mobile home or business insurance, you may need to purchase a separate flood insurance policy to be protected from flood damage. If you live in a flood plain, your mortgage company will likely require you to buy flood insurance. But you can purchase it even if you don’t live within a flood zone. While federal flood insurance pays to rebuild the structure, it only pays current value on possessions. It doesn’t cover living expenses if you have to relocate while your home is being repaired. Unfortunately, a lot of folks may be under the impression that their standard homeowners policy might cover flood damage. But the standard policy doesn’t. Your umbrella policies won’t cover flood damage either. The standard homeowners policy doesn’t cover earthquakes or floods. So a homeowner wanting coverage for either of those disasters will need to pick up separate, specific policies against those types of disasters. When it comes to your insurance, not all water damage is the same. Flood plains (and flood plain maps) change and evolve. Just because you weren’t in a flood plain when you bought your home a few years ago doesn’t mean you’re not in one now. If you buy a home in a flood-prone area, you probably need to find flood insurance. Standard homeowners insurance covers damage from rain that hits a home before reaching the ground, such as if a tree limb falls on a roof, creating a hole, or if water enters through a blown-out window or door. Damage from flooding, which occurs when water rises up outside the home, will only be covered if you have flood insurance. There are a few ways you can find out about your flood risks and if you may be in a flood plain. When it comes to researching whether your home is in a flood plain, you definitely want someone knowledgeable to research the question for you. And, preferably, an agent who is knowledgeable and whom you can trust.
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Vi ne morate živjeti u zoni rizika od poplava za pogođene poplavama. ПaBoдkи i poplave mogu dogoditi bilo gdje, čak i u pustinji. Samo voda može oštetiti vaše imovine. U stvari, u SAD-u, gubitaka povezanih s poplavama vrijednost ljudi više od milijardu dolara godišnje. U posljednjih pet godina poplave su utjecala na svih 50 Država. Oko 20% svih зaBaляT potraživanja dolaze iz područja koje se smatra niskim rizikom. Iako u području povijesti i prirode oborina su dio određivanja razine rizika, i drugi faktori, kao što su isušivanje zemljišta, mjere obrane od poplava u drugim područjima, promjene riječnog odvod i udari HaroH može povećati razinu rizika u vašoj zajednici. Poplave mogu biti lokalizirani ili katastrofalno. Puno poplava stići unaprijed, tako da se možete pripremiti. Znate li vi, većina imovine osiguranje ne pokriva poplave? Savezna vlada upravlja Nacionalni program osiguranja od poplava (NFIP), koja daje osiguranja od poplava. Čak i ako imate vlasnici, stanari, stan, vlasnik, kuća ili poslovni osiguranja, morate kupiti poseban osiguranja флyд mora biti zaštićen od poplava. Ako živite u poplavi, hipoteka tvrtke ćete morati da kupite osiguranje od poplava. No, možete ga kupiti, čak i ako ne živite u zoni poplave. Dok je Savezna osiguranje od poplava isplati vratiti strukturu, on plaća samo tekuće cijene na imovinu. Ona ne pokriva troškove, ako ste na stalni boravak, dok vaš dom je na popravku. Nažalost, mnogi ljudi mogu biti pod dojmom da ih je standardna politika kuće može pokriti štetu od poplava. Ali standardna politika ne. Vaš suncobran politika ne će pokriti štete od poplava bilo. Standardna politika kuće ne pokriva potresa ili poplave. Tako homeowner želi, prijenos bilo kojeg od tih katastrofa morati pokupiti odvojeno, određena politika u odnosu na one vrste katastrofa. Kada je u pitanju osiguranje, nisu svi oštećenja vodom isto. ПoйMax (i kartice пoйMeHHыx) mijenjati i razvijati. Jednostavno zato što nisu bili u poplavi kada ste kupili svoj dom prije nekoliko godina ne znači da ti nisi jedan sada. Ako kupujete kuću u zonu, izloženi poplavama, vi ste, vjerojatno, potrebno je pronaći osiguranje od poplava. Standardni home osiguranje pokriva štetu od kiše, koji ulazi u kuću, ne dosegnuvši zemlje, na primjer, ako drvo padne na krov, stvarajući rupu, ili ako voda ulazi kroz лoпHyBшиe prozora ili vrata. Šteta od poplave, koja se događa kada voda se uzdiže izvan kuće, će se širiti samo ako imate osiguranje od poplava. Postoji nekoliko načina na koje možete saznati o rizicima od poplava i ako može biti u poplavi. Kada je riječ o istraživanjima, je li vaš dom u poplavi, vi sigurno želite da netko obrazovan za odgovorom na pitanje. I, po mogućnosti, agent, obrazovan i možete vjerovati. Translated by Yandex.Translate and Global Translator