首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
外语
Each year, more US properties within floodplains are destroyed by flooding than fire. Changing weather patterns, increased urban
Each year, more US properties within floodplains are destroyed by flooding than fire. Changing weather patterns, increased urban
admin
2013-09-23
86
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.
According to the passage, which of the following is CORRECT?
选项
A、Flood insurance pays only those declared by the President as a federal disaster.
B、Flood insurance is easy to buy.
C、Renters cannot purchase flood insurance for their possessions.
D、Flood insurance protects your home from damage caused by fire.
答案
B
解析
推理题。从文章中对洪水保险的各种规定和操作进行了分析,购买这种保险应该是很容易的,所以[B]为正确答案。[A]”洪水保险只对那些被总统宣称为联邦灾难的洪水有效”与倒数第二段“Flood insurance pays all covered claims even if a federal disaster is not declared”文意相悖;[C]”租住房屋者不可为自己的财产投保洪水险”与原文最后一段“Even renters may purchase flood insurance for their possessions.”相悖;[D]”洪水险可以保护你家的房子不受火灾的困扰”与原文不符,故均可排除。
转载请注明原文地址:https://kaotiyun.com/show/wJLK777K
0
专业英语四级
相关试题推荐
Theprofitableofficesunderthegovernmentwerefilledbymenwhohadcontractedluxurioushabitsoflivingwhichtheywouldno
Thedeclineinmoralstandards—whichhaslongconcernedsocialanalysts—hasatlastcapturedtheattentionofaverageAmericans.
Formanycountriesthereareonlytwolegalmeansforobtainingtechnology:topermitmultinationalcompaniestoconductbusines
Publicofficialsandcandidatesforpublicofficeroutinelyusepublicopinionpollstokeeptrackofwhatthepeoplearethinki
Foryearshestruggled______asteacher,anagentandthepresident.
Whichisnotmentionedinthepassageasanaspectthatfarmingactivitiesaredamaging?
AstronomersattheUniversityofCaliforniadiscoveredoneofthemostdistant______
Thebankmanageraskedhisassistantifitwaspossibleforhimto______theinvestmentplanwithinaweek.
Thecoursenormallyattracts20studentsperyear,______uptohaftwillbefromorient.
Thebookgivesabrief_______ofthecourseofhisresearchuptillnow.
随机试题
尽管纯金属强度、硬度低,冶炼困难,价格昂贵,但因其具有较高的导电、导热性,所以在工业生产中广泛应用。
美国有关规范房地产经纪人的法律中,最严密的法令是()。
已知,则f(x)在(0,π)内的正级数的和函数s(x)在处的值及系数b3分别为()。
国外建筑安装工程费用中的开办费一股包括()等。【2017年真题】
我国建造师执业资格制度暂行规定中对建造师的执业范围规定为()
关于企业所得税特殊税前扣除项目的规定,下列表述不正确的是()。
下列关于库存现金的表述正确的有()。
2000年、2005年、2006年发达国家、发展中国家和世界总体的国际储备(不包括黄金)和黄金储备变化情况,如下图所示:部分国家国际储备和黄金储备的变化情况如下表所示:2000年到2006年黄金储备量下降幅度超过11%的国家有多少个?(
马克思主义认为,共产主义社会的基本特征是()
【B1】【B13】
最新回复
(
0
)