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Real Estate Flood Insurance

Real Estate Flood Insurance

Given the recent hurricane and flooding disasters in the country, homeowners, real estate lenders, and insurers are giving flood insurance a lot of attention. There are some basic questions you should ask, and facts you should know about flood insurance, before making any real estate purchase.

First off- if you have a federally backed mortgage, you are required to have flood insurance in high-risk areas. Also, lenders may require flood insurance on real estate properties in high-risk areas. If it’s not required, but the responsible thing to do in your area, here are the basics.What Do You Get From Real Estate Flood Insurance?

Basic homeowner’s insurance won’t cover flood damage for real estate structural loss, furnaces, water heaters, air conditioning units, carpeting and flooring. Flood insurance does that. You can purchase additional flood insurance for furniture and personal items. The coverage is fairly inexpensive- visit the government website for an estimate based on your real estate holdings.

Don’t think you’re at risk? The NFIP (National Flood Insurance Program) reported that a third of the payments it made last year were to real estate properties in “low-risk” communities. In the course of a 30-year mortgage, your home has a 26% chance of being damaged by a flood (according to NFIP statistics). Your fire risk is only 9%. Having NFIP approved flood insurance guarantees your claim is backed by the government. Knowing that, what questions should you ask before making a real estate purchase?

Questions to Ask Before Buying Real Estate
In addition to the government sponsored website, your real estate agent and your insurance agent should be able to answer some basic questions regarding your chosen property.
• What is the property’s flood risk?
• Does the area participate in the NFIP?

• Is flood insurance required on this property by the lender?

• Is the property near a dam, or levee?

• Does the current real estate owner have flood insurance?

You may also want to ask your insurance agent about a Community Rating System (CRS) discount on your real estate property. Find out exactly what the policy covers, and what additional coverage is available. Finally, ask about premiums for higher deductibles, and associated fees and expenses.
Congressional Issues Affecting Flood Insurance In June the National Association of Realtors (NAR) testified before the House Subcommittee on Housing and Community Opportunity to support H.R 1682, the Flood Insurance Reform and Modernization Act of 2007. Vince Malta, vice-chair of the NAR’s Public Policy Coordinating Committee said, “To maintain the vitality of residential and commercial real estate, certain safeguards must be made available such as the federally backed flood insurance through the NFIP.”
Reforms to the NFIP are expected to be ongoing as the real estate community, insurers, and government agents come to a consensus on the best ways to protect real estate investors and homeowners.
John Harris is a researcher and writer on real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations.

Duties of A Personal Injury Lawyer

Duties of A Personal Injury Lawyer

A car accident lawyer is basically a trained lawyer who pursues a degree course in general law before specializing in matters relating to automobile accidents. Such specialization is essential considering the fact that automobile accidents are extremely involving. A specialized lawyer consequently acts as a personal injury lawyer, providing legal representation to those involved in automobile accidents. The representation is especially on claims of injuries sustained, which could be physical or psychological. Although they specialized in what is legally known as tort law, private injury lawyers are not restricted to the exact same;  chudi ejekam mentions that they’re at liberty to practice in any field of law.

A private injury lawyer has heavy responsibilities with regards to serving the needs of his/her clients. Once engaged, a personal injury lawyer files legal complaints, argues car accident cases in court and drafts essential legal documents relating to a automobile accident involving a client. Much more importantly, an accident lawyer has the responsibility to interview and evaluate automobile accident claims as forwarded by a client. This really is usually with the aim of establishing the nature of a particular accident. It is from establishing such that a car lawyer is able to analysis and build a strong case with high probability of success in court. Analysis involves collection of essential information from relevant automobile insurance business, visitors agency exactly where the accident was reported and legal issues pertaining to such an accident.

Different jurisdictions impose various needs one should fulfill prior to being licensed to serve the public as an accident lawyer. The first requirement is however universal; one must qualify as a general attorney, which in most instances is really a initial degree in law. One wishing to specialize as a private injury lawyer should also undertake specific studies relating to tort law before sitting for particular examinations which are in most cases moderated by a jurisdiction’s Bar Association. An admitted automobile accident lawyer has professional responsibility to remain up-to-date on matters relating to developments in tort law additionally to other fields of law during his/her practice.

Even though it is generally the wish of michael chudi ejekam to establish their own law firms upon admission to the bar, most find it extremely difficult to start off because the established law firms are preferred by most customers. For this reason, a newly admitted accident lawyer will initially join an established law firm as an associate or partner. Operating in an established law firm as an associate is nevertheless very advantageous to a newly admitted accident lawyer; he/she is able to learn the ropes of trade and gain useful experience.

Like with other lawyers practicing in different legal fields, an accident lawyer is compensated through numerous ways. His/her charges might consist of a flat consultation fee that each and every client is obligated to pay. Other fees will naturally depend on time spent on an accident case, difficulty of a case, expenses involved in a case and also the final outcome of a case. It’s nevertheless extremely common nowadays for an accident attorney to settle for a contingency fee, which is a payment arrangement exactly where the lawyer receives a determined percentage of the amount awarded to a client in any accident case.

There are very stringent regulation mechanisms in most jurisdictions to ensure that a lawyer doesn’t fleece his/her customers. Most jurisdictions have legally recognized bar associations that preserve a register of all admitted attorneys. Such associations have heavy responsibilities including setting attorneys’ fees and promoting regulatory policies amongst their members. An accident lawyer is not however restricted to joining one association. One can join as many associations as he/she wishes, including international associations.

Drunk Driving Basic Info

Drunk Driving Basic Info

There are so many vehicular accidents caused by people driving under the influence. It is common to find these alcohol related accidents during holidays. This type of accident, although increasing in number, is actually preventable. Utilizing your common sense is a good way to avoid this. When you drive you have to have coordinated motor skills and a good sense of judgement. Since drinking will impair this, it is best to avoid drinking and driving. In this article, we will be providing you with some things you need to know about driving while under the influence.

First, it is important not to ignore the warnings. There are different methods by which the government tries to make sure people are informed about the dangers of driving while under the influence. Our Government sees to it that these are done with vigour: educational and public awareness programs, stiffer penalties for those caught while DUI and visible and diligent protection of the highways. Despite of these things so many people still drink and drive. The leading cause of death for persons under the age of 24 has been motor related accidents. Specifically, it is 40 percent.

Number two, get to know the chances of figuring in an accident. Be reminded that getting at least 10 percent alcohol in your blood will cause an impairment to the senses and may cause an accident. A reminder once again, alcohol drinking can impair your senses. You will eventually find yourself driving recklessly.

Last, better ensure that you know the penalties of DUI. Remember that DUI is considered a felony which can land you in jail. There is also a fine that you will pay plus you may also have your driver’s license revoked or suspended.

These are some of the things you have to know to make sure that you avoid an accident during celebration. Social drinking is fun but better learn some discipline when it comes to drinking. DUI can cost you your life or a limb or two plus you also face lots of expensive medical bill and other expenses. Make sure that when you are going to party away from home that you appoint a designated driver. This will ensure the probability of having an accident because of DUI is minimized.