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Each insurance company licensed in Indiana must participate in the plan and take its share of the drivers who have difficulty buying insurance . Readers who need legal definitions should refer to the Standard Flood Insurance Policy and to Federal regulations . The province is best known for its so-called AIDS Villages , where most of the adults are HIV-positive or AIDS-infected due to unsafe blood collection practices . After the normal period of coverage ( 18 months ) is completed , the premium may increase to 150 % of plan 's total cost of coverage , for the last 11 months of COBRA coverage for disables beneficiaries . This limitation does not apply to other items that are personal property or household contents usual or incidental to the occupancy of the building as a residence . " The Peace Mission 2005 exercise clearly demonstrates the advantages of military cooperation in the fight against terrorism not only in a certain area but in the whole SCO region , " said Vyacheslav Kasymov , head of the executive secretariat of the SCO regional anti-terrorist center . Lender Requirements : Your lender may require you to cover the house for at least the amount of the mortgage . A proof of loss - the policyholder 's valuation of claimed damages - is a sworn statement made by the policyholder that substantiates the insurance claim and is required to be submitted to the NFIP or WYO company within 60 days of the loss .