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Special Form ( HO-3 ) , the most popular of all homeowners forms , offers a broad range of coverage . Instead , China suggested Zhejiang province , across from Taiwan . A lending institution is not required by stature to make the borrower purchase flood insurance for more than the amount of the loan or for more than twice the amount of insurance available under the Emergency Program ( $ 35,000 times 2 = $ 70,000 ) , whichever is less . For instance , the addition of a room , new insulation and yearly inflation all increase the replacement cost of your home , while the actual cash value of the home may decrease over time . Even though a room may have windows and constitute living quarters , it is still considered to be a basement if the floor is below ground level on all sides . Even though the entire episode of the way in which Pakistan acquired a bad image abroad is too cumbersome to be fully captured in a portrayal of limited length , one can identify at least three problems , and suggest some tenable solutions . To that effect , Blackwill played a very important role for India during the period 2001-2003 . White House Press Secretary Ari Fleischer said last week that he could not confirm that Bush would visit India early next year , though many believe that a simultaneous announcement will be made soon after the administration comes to terms with the fiasco over hurricane Katrina . Musharraf 's rule is not much different from Zia 's in some ways , even though he cannot be compared with Zia for his brutality . At the same time , both China ( Muslim-majority Xinjiang province ) and Russia ( predominately Muslim Chechnya ) face home-grown separatist movements , while Islamist movements in the Central Asian republics are a threat to the interests of both Beijing and Moscow . It pays while you live ; life insurance pays when you die . For decades , the national response to flood disasters was generally limited to constructing flood control works such as dams , levees , sea walls , and the like and providing disaster relief to flood victims . Even though the amount of homeowners insurance you carry is at least 80 % of your home replacement cost , this amount of coverage may not be enough in the future . Russian and Chinese leaders view the Bush administration 's support for the " colored revolutions " in Georgia , Ukraine and Kyrgyzstan as evidence of a US commitment to regime change in the region and see a double standard in counter-terrorism policy in its condemnation of Uzbekistan 's repression of demonstrators in Andijan in May . While most of these specialists will be participating providers in the HMO , there are circumstances in which patients enrolled in an HMO may be referred to providers outside the HMO network and still receive coverage . If you have Medicare Part B , your premium of $ 93.50 is taken out of your Social Security check each month . Most home insurance policies provide additional living expenses that will pay some expenses if your home is damaged by an insured event to the extent that you cannot live there while repairs are being made , or if you are denied access to your home by government order . Specific requirements must be met for such claims to be paid , and the amounts of payment are defined by statute .