Flood damage is excluded under standard homeowners and renters insurance policies. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) and from a few private insurers.
Congress created the NFIP in 1968 in response to the rising cost of taxpayer-funded disaster relief for flood victims and the increasing amount of damage caused by floods. The NFIP makes federally backed flood insurance available in communities that agree to adopt and enforce floodplain management ordinances to reduce future flood damage. The NFIP is self-supporting for the average historical loss year. This means that unless there is a widespread disaster, operating expenses and flood insurance claims are financed through premiums collected.
The NFIP provides coverage for up to $250,000 for the structure of the home and $100,000 for personal possessions. Private flood insurance is available for those who need additional insurance protection, known as "excess coverage,” over and above the basic policy or for people whose communities do not participate in the NFIP. Some insurers have introduced special policies for high-value properties. These policies may cover homes in noncoastal areas and/or provide enhancements to traditional flood coverage. The comprehensive portion of an auto insurance policy includes flood damage.
A 2008 poll by the Insurance Information Institute found that only 17 percent of Americans have a flood insurance policy, ranging from 15 percent in the West to 17 percent in North Central States and the South to 20 percent in the Northeast.
* By July 2008, 91 insurance companies participated in the "Write-Your-Own" Program, started in 1983, in which insurers issue policies and adjust flood claims on behalf of the federal government under their own names.
NATIONAL FLOOD INSURANCE PROGRAM, 1980-2008
Losses paid
Year Policies in force
at the end of year Number Amount ($000)
1980 2,103,851 41,918 $230,414
1985 2,016,785 38,676 368,239
1990 2,477,861 14,766 167,920
1995 3,476,829 62,441 1,295,581
2000 4,369,087 16,362 251,719
2004 4,667,446 55,762 2,226,942
2005 4,962,011 211,954 17,646,657
2006 5,514,895 24,562 638,824
2007 5,655,919 23,003 607,055
2008 5,687,293 61,433 2,584,241
Source: U.S. Department of Homeland Security, Federal Emergency Management Agency.
*
In 2008 the average amount of flood coverage was $210,683 and the average premium was $542.
*
The average flood claim in 2008 was $42,066, up from $26,390 in 2007.
*
NFIP premiums written rose from $1.7 billion in 1999 to $3.1 billion in 2008.
*
Flood loss payments totaled $2.6 billion in 2008. In 2005 loss payments totaled $17.6 billion, the highest amount on record, including losses from hurricanes Katrina, Rita and Wilma.
Wednesday, March 24, 2010
Thursday, March 18, 2010
Client Testimonials
Welcome DEKRA Expert
We are very proud of our growing reputation as a provider of high-quality service. Please browse among some of the comments from some of our customers to see what others think.
"Thanks for the report so quickly,"
Hutchison - 27/11/09
"Overall, very impressed. The speed of the process made me choke and close the store before a number of other interested parties has. The engineer is an excellent client facing skills.
Mr. Whitfield - 28/11/09
"Excellent service - would I have done that before with the purchase of vehicles.
Mr. Picton - 2/12/09
David - the vehicle inspector was absolutely great - I would arrive at my positive feedback and let him know how his phone, his explanation of the vehicle, and professionalism in general was excellent, as - I Thank you.
Mr. Erlam - 4/12/09
"Their efficiency, courtesy and professionalism was outstanding calls. If only all companies followed your excellent customer service! Thank You!
Ms O'Donoghue - 8/12/09
"Very fast service and professionalism. Thank you.
Mr. Houston - 8/12/09
"The service from start to finish is exemplary. An examination of the vehicle was a very comprehensive and oral report in the next few hours were very popular. The 12-page report, who had arrived by email in the evening the point that a Check before you buy. In my case (I have not purchased the vehicle), the fee under £ 200 saved me £ 1000 in repair bills possible. My thanks go to all the team Dekra but especially to Mr. Healey, after inspection of the vehicle, said its results (positive and negative) in a more comprehensible. I see no other word but "perfect" for by DEKRA.
Dr. Overson - 2/1/2010
"This monitoring is done quickly and efficiently. Good oral feedback to the engineer."
Mr. Beasty - 8/1/10
"Thanks for the quick turnaround to get the check. Could not get easily in the snow. Thank you. James'
Mr. Ray - 14/1/10
We are very proud of our growing reputation as a provider of high-quality service. Please browse among some of the comments from some of our customers to see what others think.
"Thanks for the report so quickly,"
Hutchison - 27/11/09
"Overall, very impressed. The speed of the process made me choke and close the store before a number of other interested parties has. The engineer is an excellent client facing skills.
Mr. Whitfield - 28/11/09
"Excellent service - would I have done that before with the purchase of vehicles.
Mr. Picton - 2/12/09
David - the vehicle inspector was absolutely great - I would arrive at my positive feedback and let him know how his phone, his explanation of the vehicle, and professionalism in general was excellent, as - I Thank you.
Mr. Erlam - 4/12/09
"Their efficiency, courtesy and professionalism was outstanding calls. If only all companies followed your excellent customer service! Thank You!
Ms O'Donoghue - 8/12/09
"Very fast service and professionalism. Thank you.
Mr. Houston - 8/12/09
"The service from start to finish is exemplary. An examination of the vehicle was a very comprehensive and oral report in the next few hours were very popular. The 12-page report, who had arrived by email in the evening the point that a Check before you buy. In my case (I have not purchased the vehicle), the fee under £ 200 saved me £ 1000 in repair bills possible. My thanks go to all the team Dekra but especially to Mr. Healey, after inspection of the vehicle, said its results (positive and negative) in a more comprehensible. I see no other word but "perfect" for by DEKRA.
Dr. Overson - 2/1/2010
"This monitoring is done quickly and efficiently. Good oral feedback to the engineer."
Mr. Beasty - 8/1/10
"Thanks for the quick turnaround to get the check. Could not get easily in the snow. Thank you. James'
Mr. Ray - 14/1/10
Monday, February 15, 2010
A new car? Verification Gap Insurance
Just bought a new car? What happens when an accident occurred shortly after taking your brand new track from the game? They have full insurance, is not it? So, you're covered ... or maybe not.
When you drive your new car off the lot, the value of your car decreases, sometimes up to 20% -30%. Say for example, are paid $ 25,000 for the new vehicle has an accident and a month later. You probably have only one payment and you do not make money your loan even close to the price of $ 25,000 to purchase. Unfortunately, even with full coverage, which will include comprehensive and collision, you receive only the market value of the vehicle, which then could be 20% -30% below the purchase price. This means that you can establish that the payments are 20% -30%. Could be on a car $ 25,000, only a 20% depreciation of $ 5,000! This amount could be more if you financed your taxes and licenses in your credit.
GAP is the acronym for Auto Guauanteed protection. Most people use the term CAP in order to make the gap in coverage between what should be on a machine and how much your car is worth. GAP insurance is required in almost all cases, and the cost reltivily low. GAP insurance is a must buy or lease a new vehicle and should not be something that you decided to skip the lowest cost.
Fortunately, you can already divide insurance with your current insurer shall ensure that the difference between the loan on the car and the actual market value of the car would be. But not all insurance companies to offer insurance GAP.
In some cases, GAP insurance is available from your insurance company. So what to do? Of course, the dealer will probably be able to have GAP insurance. GAP, where the insurance is not the dealer, then you can buy an insurance GAP online. Just do a search online for the GAP insurance, and you will find many companies available.
When you drive your new car off the lot, the value of your car decreases, sometimes up to 20% -30%. Say for example, are paid $ 25,000 for the new vehicle has an accident and a month later. You probably have only one payment and you do not make money your loan even close to the price of $ 25,000 to purchase. Unfortunately, even with full coverage, which will include comprehensive and collision, you receive only the market value of the vehicle, which then could be 20% -30% below the purchase price. This means that you can establish that the payments are 20% -30%. Could be on a car $ 25,000, only a 20% depreciation of $ 5,000! This amount could be more if you financed your taxes and licenses in your credit.
GAP is the acronym for Auto Guauanteed protection. Most people use the term CAP in order to make the gap in coverage between what should be on a machine and how much your car is worth. GAP insurance is required in almost all cases, and the cost reltivily low. GAP insurance is a must buy or lease a new vehicle and should not be something that you decided to skip the lowest cost.
Fortunately, you can already divide insurance with your current insurer shall ensure that the difference between the loan on the car and the actual market value of the car would be. But not all insurance companies to offer insurance GAP.
In some cases, GAP insurance is available from your insurance company. So what to do? Of course, the dealer will probably be able to have GAP insurance. GAP, where the insurance is not the dealer, then you can buy an insurance GAP online. Just do a search online for the GAP insurance, and you will find many companies available.
Check out our new car dealer ratings and reviews page
Welcome to the world's best free guide: buy cars for the purchase of new cars, used cars, auto lease car and avoid fraud. You laugh, you cry, you purchase a car. There are sites with similar names that describe copy our content, but we are the original and the best. This 100% free dating site is like the truth, but only few people know the truth about the purchase of cars and SUVs.
Your Host: Jeff Ostroff shows how you can offer the best fair profit on new cars and dealers negotiate the cost of new cars.
* Check out the new guide to shopping for hybrid cars: All about hybrid vehicles, Hybrid Theory of Operation, Pros & Cons
* Avoid New chapter for people with bad credit: Bad Credit Auto Loans, Tips and fraud
* Do not have time? Read: Buying a new car in 5 quick steps (click here!)
Check out our new car dealer ratings and reviews page. Is listed, the local new car dealership? You like to shop. Click here!
People keep cars longer: CarBuyingTips.com user data to show that buying through the economy, people keep the car more and more people used cars instead of new cars. It 'a good idea, your investment in an older car with an extended warranty. Find out what you are looking for an extended warranty and how to avoid being deceived in the chapter "How to buy and extended warranty and Evita.
Our avOmeter blasts through the $ 10 million dollars in savings level!
Savings reported by our visitors is this important milestone, confirming the quality of education to purchase cars, click here. Recent visitors reported a savings of $ 2,000 to $ 4000 + off MSRP on vehicles at low cost. Click here for our savings database.
Consumer Alert: with credit markets falter, like a Yugo engine bad, a lot of people think it is impossible to obtain an auto loan, but that's not true! Be sure to get our car loan tips page to read how you can get financing in this lending market tensions.
Quick Start New Car Buying Guide: How to Save $ 2000 - $ 4000 when you buy a new car, truck, SUV or minivan.
The way to save money for a car or SUV with competing offers
We automatically consider purchasing sites such as InvoiceDealers, Cars.com, Yahoo! Further information on cars, Edmunds.com, MyRide.com and CarsDirect what dealers pay for new cars, trucks, SUVs and minivans, and how you can save the most money. These sites offer free price quotes for new cars and new car price dealer invoice. Quotes supports competitive car dealers, new cars in line to hold.
Top 4 New Car Buying Tips
1) Get Your Credit Report
Check your credit score is above 680, or you will pay high in April.
Click here to learn more. 2) Get New Car Loan Approval In 1 hour
Get Low auto loans online in April before buying a car.
Click here to find out how.
3) Get Free New Car Price Quotes
Use online new car buying services for cash to save.
Click here to find out how. 4) Get New Car Extended Warranty Quotes
Guarantees car online can be 60% cheaper than the dealer.
Click here to learn more.
Take advantage of discounts and incentives town!
Because of slow sales of cars are offered by manufacturers is greater than the usual consumer rebates and secret factory to dealer incentives to unload the cars. Discounts change daily, so do not ask me why it is different when we look for new car discounts. If you've been waiting to buy a new car and a lot, now is the time. Even Honda, which normally do not offer incentives, it is always at stake. Be sure to check and FightingChance.com Edmunds.com for the latest incentives to use for negotiation. The table on the right are some examples of the big discount Edmunds.com. Many cars are $ 2,000 - $ 5,000 factory to dealer incentives. If you are not aware of the discounts in progress, then you leave money on the table. Dealers often give up most or all of their factory to dealer incentive, passing the savings on to you. These incentives combined with our other car buying tips, often result in orders of magnitude below invoice amounts.
Read our new guide First Time Car Buying Tips for Teens & Teen Safe Driving. This is required reading for all young adults of my car.
Where the invoice price of new cars and discount information please contact
After a successful lawyer for consumers with tools such as the Fighting Chance New Car Buying Info Pack, our guests love to fill our database with $ avOmeter their savings in their new car. You can add information reimbursement of new cars, secret factory incentives dealers and new car dealer invoice amounts of Fighting Chance. The Sales Market Intelligence to offer them for your new car is invaluable.
My New Deal Lexus: Read How I saved $ 5500 buying my new 2004 Lexus GX470 SUV. It is my complete strategies to get the best deal to buy a new car.
Your Host: Jeff Ostroff shows how you can offer the best fair profit on new cars and dealers negotiate the cost of new cars.
* Check out the new guide to shopping for hybrid cars: All about hybrid vehicles, Hybrid Theory of Operation, Pros & Cons
* Avoid New chapter for people with bad credit: Bad Credit Auto Loans, Tips and fraud
* Do not have time? Read: Buying a new car in 5 quick steps (click here!)
Check out our new car dealer ratings and reviews page. Is listed, the local new car dealership? You like to shop. Click here!
People keep cars longer: CarBuyingTips.com user data to show that buying through the economy, people keep the car more and more people used cars instead of new cars. It 'a good idea, your investment in an older car with an extended warranty. Find out what you are looking for an extended warranty and how to avoid being deceived in the chapter "How to buy and extended warranty and Evita.
Our avOmeter blasts through the $ 10 million dollars in savings level!
Savings reported by our visitors is this important milestone, confirming the quality of education to purchase cars, click here. Recent visitors reported a savings of $ 2,000 to $ 4000 + off MSRP on vehicles at low cost. Click here for our savings database.
Consumer Alert: with credit markets falter, like a Yugo engine bad, a lot of people think it is impossible to obtain an auto loan, but that's not true! Be sure to get our car loan tips page to read how you can get financing in this lending market tensions.
Quick Start New Car Buying Guide: How to Save $ 2000 - $ 4000 when you buy a new car, truck, SUV or minivan.
The way to save money for a car or SUV with competing offers
We automatically consider purchasing sites such as InvoiceDealers, Cars.com, Yahoo! Further information on cars, Edmunds.com, MyRide.com and CarsDirect what dealers pay for new cars, trucks, SUVs and minivans, and how you can save the most money. These sites offer free price quotes for new cars and new car price dealer invoice. Quotes supports competitive car dealers, new cars in line to hold.
Top 4 New Car Buying Tips
1) Get Your Credit Report
Check your credit score is above 680, or you will pay high in April.
Click here to learn more. 2) Get New Car Loan Approval In 1 hour
Get Low auto loans online in April before buying a car.
Click here to find out how.
3) Get Free New Car Price Quotes
Use online new car buying services for cash to save.
Click here to find out how. 4) Get New Car Extended Warranty Quotes
Guarantees car online can be 60% cheaper than the dealer.
Click here to learn more.
Take advantage of discounts and incentives town!
Because of slow sales of cars are offered by manufacturers is greater than the usual consumer rebates and secret factory to dealer incentives to unload the cars. Discounts change daily, so do not ask me why it is different when we look for new car discounts. If you've been waiting to buy a new car and a lot, now is the time. Even Honda, which normally do not offer incentives, it is always at stake. Be sure to check and FightingChance.com Edmunds.com for the latest incentives to use for negotiation. The table on the right are some examples of the big discount Edmunds.com. Many cars are $ 2,000 - $ 5,000 factory to dealer incentives. If you are not aware of the discounts in progress, then you leave money on the table. Dealers often give up most or all of their factory to dealer incentive, passing the savings on to you. These incentives combined with our other car buying tips, often result in orders of magnitude below invoice amounts.
Read our new guide First Time Car Buying Tips for Teens & Teen Safe Driving. This is required reading for all young adults of my car.
Where the invoice price of new cars and discount information please contact
After a successful lawyer for consumers with tools such as the Fighting Chance New Car Buying Info Pack, our guests love to fill our database with $ avOmeter their savings in their new car. You can add information reimbursement of new cars, secret factory incentives dealers and new car dealer invoice amounts of Fighting Chance. The Sales Market Intelligence to offer them for your new car is invaluable.
My New Deal Lexus: Read How I saved $ 5500 buying my new 2004 Lexus GX470 SUV. It is my complete strategies to get the best deal to buy a new car.
Sunday, February 14, 2010
Car insurance
Are you looking for auto insurance for a new car, or car insurance comparison for your car there? If so, you are exactly correct with us. Why? Because there are three things you can bet on us!
1. We are all car insurance companies in the market independently;
2. We can offer with the most auto insurance quotes from leading vendors;
3. We are recognized as experts in the field of car insurance for new cars and existing.
Auto Insurance Quotes
We are experienced in teaching us auto insurance quotes, and we can help you get the coverage right. Just fill out the simple online form, starting with your zip code above.
We will arrange a series of auto insurance quotes from leading suppliers in their state, so that we vote and the most competitive and conditions and select the most appropriate insurance coverage for the situation to be found. In other words, help us to shop around for car insurance, and we define the satisfaction that comes from comparing a wide range of auto insurance quotes before you decide to buy. Thus, the competition has brought to work on the communication right car insurance for your car.
1. We are all car insurance companies in the market independently;
2. We can offer with the most auto insurance quotes from leading vendors;
3. We are recognized as experts in the field of car insurance for new cars and existing.
Auto Insurance Quotes
We are experienced in teaching us auto insurance quotes, and we can help you get the coverage right. Just fill out the simple online form, starting with your zip code above.
We will arrange a series of auto insurance quotes from leading suppliers in their state, so that we vote and the most competitive and conditions and select the most appropriate insurance coverage for the situation to be found. In other words, help us to shop around for car insurance, and we define the satisfaction that comes from comparing a wide range of auto insurance quotes before you decide to buy. Thus, the competition has brought to work on the communication right car insurance for your car.
New Car Insurance
We know it's especially frustrating when a new car is damaged. This is the insurance company, with suppliers of law that can help in some way to go.
With the new motor vehicle insurance from Cornhill Direct, you get security. If your new car is damaged within the first year and the cost for the repair of over 50% of the cost of purchasing a new car the same, there are only passing through the vehicle.
The insurance of motor vehicles new is:
* A standard feature of our car insurance
* Available to anyone who has owned a car since the new
* Valid for the first year after purchase
* If the cost of a new car cover, if the cost of damage to your vehicle more than 50% of the cost of buying an identical model.
If you want to find out how our comprehensive auto insurance for drivers of new cars, a call for tenders online.
Tom buying a new Ford Focus sedan for £ 13.500, taking out car insurance with Cornhill Direct. Nine months later, Tom ignores his entrance to a roundabout and another car plows into the driver's side of the hood.
The Focus comes off badly. We are again in serious damage to the engine and chassis, and the driver of the vehicle-body and paint all the way to the rear bumper. The cost of repairs made to 7200 pounds.
Since the estimate of more than 50% of the value of a new vehicle with new auto insurance Cornhill Direct, the attention of Tom is simply replaced.
For illustrative purposes only.
Terms and Conditions.
With the new motor vehicle insurance from Cornhill Direct, you get security. If your new car is damaged within the first year and the cost for the repair of over 50% of the cost of purchasing a new car the same, there are only passing through the vehicle.
The insurance of motor vehicles new is:
* A standard feature of our car insurance
* Available to anyone who has owned a car since the new
* Valid for the first year after purchase
* If the cost of a new car cover, if the cost of damage to your vehicle more than 50% of the cost of buying an identical model.
If you want to find out how our comprehensive auto insurance for drivers of new cars, a call for tenders online.
Tom buying a new Ford Focus sedan for £ 13.500, taking out car insurance with Cornhill Direct. Nine months later, Tom ignores his entrance to a roundabout and another car plows into the driver's side of the hood.
The Focus comes off badly. We are again in serious damage to the engine and chassis, and the driver of the vehicle-body and paint all the way to the rear bumper. The cost of repairs made to 7200 pounds.
Since the estimate of more than 50% of the value of a new vehicle with new auto insurance Cornhill Direct, the attention of Tom is simply replaced.
For illustrative purposes only.
Terms and Conditions.
Innovative policies Features - Your Choice Auto
® with your choice of high quality car you can enjoy an Allstate auto insurance coverage to protect even better if you have an accident and more opportunities when you avoid.
Beyond the Basics
Give here only a small taste of what Your Choice Auto ®, only from Allstate can:
Show Accident Forgiveness Video
Accident forgiveness helps keep the penis consists only because of an accident. Although it is your fault.
Show Safe Driving Bonus Video
Safe Driving Bonus Check ® for the introduction of safe driving bonus * for all six months of accident free driving, you have the ability to control up to 5% of premiums earned. This is in addition to any other Allstate discounts you qualify for.
Show Video Deductible Rewards
Deductible RewardsSM is you your $ 100 Collision deductible the day you log on. And then $ 100 per year you go without an accident. Total Up to $ 500.
New Car Tuning Show Video
New Car Replacement If your new car has been in the first three years given the model, you can create a new machine is not only the depreciated value.
Show packages as these innovative features in the various electoral My Car ® bundle.
Addition, the bumper to bumper Basics SM will show you how these unique options for your Allstate auto insurance are included.
Did you know that people are turned on, Allstate and bought our Platinum package saved an average of $ 480 **? Our quick and easy quote tool can show how switching to Allstate might save you. Or you can always have a nearby Allstate agent or call 1-866-621-6900 to quote over the phone.
Close
Flash
* Check the option is an extension for the current Safe Driving Bonus ® and is available now or shortly in the car with your choice ®, except New York. May not be available to customers until the next renewal of insurance. Amounts less than $ 5 will be applied to the bill extension.
** Savings based on information reported nationally in 2008 by new Allstate auto customers. Actual savings may vary.
® & Your Choice Auto ® Accident Forgiveness, Deductible RewardsSM safe driving bonus, and the replacement of the vehicle are optional and subject to the terms and conditions. Not all states. Patent pending. Deductible for collision coverage Rewards. In New York and PA, the deductible amount not less than $ 100. In New York is safe driving bonus ® is a discount. Safe Driving Bonus ® is based on the demand for basic premium insurance prior (except for NY), and do not apply after an accident. Political issue is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. Allstate New Jersey Property and Casualty Insurance Company, Bridgewater, NJ. Allstate County Mutual Insurance Company, Irving, TX.
Beyond the Basics
Give here only a small taste of what Your Choice Auto ®, only from Allstate can:
Show Accident Forgiveness Video
Accident forgiveness helps keep the penis consists only because of an accident. Although it is your fault.
Show Safe Driving Bonus Video
Safe Driving Bonus Check ® for the introduction of safe driving bonus * for all six months of accident free driving, you have the ability to control up to 5% of premiums earned. This is in addition to any other Allstate discounts you qualify for.
Show Video Deductible Rewards
Deductible RewardsSM is you your $ 100 Collision deductible the day you log on. And then $ 100 per year you go without an accident. Total Up to $ 500.
New Car Tuning Show Video
New Car Replacement If your new car has been in the first three years given the model, you can create a new machine is not only the depreciated value.
Show packages as these innovative features in the various electoral My Car ® bundle.
Addition, the bumper to bumper Basics SM will show you how these unique options for your Allstate auto insurance are included.
Did you know that people are turned on, Allstate and bought our Platinum package saved an average of $ 480 **? Our quick and easy quote tool can show how switching to Allstate might save you. Or you can always have a nearby Allstate agent or call 1-866-621-6900 to quote over the phone.
Close
Flash
* Check the option is an extension for the current Safe Driving Bonus ® and is available now or shortly in the car with your choice ®, except New York. May not be available to customers until the next renewal of insurance. Amounts less than $ 5 will be applied to the bill extension.
** Savings based on information reported nationally in 2008 by new Allstate auto customers. Actual savings may vary.
® & Your Choice Auto ® Accident Forgiveness, Deductible RewardsSM safe driving bonus, and the replacement of the vehicle are optional and subject to the terms and conditions. Not all states. Patent pending. Deductible for collision coverage Rewards. In New York and PA, the deductible amount not less than $ 100. In New York is safe driving bonus ® is a discount. Safe Driving Bonus ® is based on the demand for basic premium insurance prior (except for NY), and do not apply after an accident. Political issue is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. Allstate New Jersey Property and Casualty Insurance Company, Bridgewater, NJ. Allstate County Mutual Insurance Company, Irving, TX.
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