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The detailed FIS covers those areas that are subject to flooding from rivers and streams , along coastal areas and lake shores , or in shallow flooding areas , but do not include areas of less than one square mile . An additional $ 25 charge is added to the premium for each flood insurance policy sold or renewed in the community . A flood insurance policyholder should immediately report any flood loss to the insurance agent who wrote the policy . Social Security provides protection , but only to those who are severely disabled and unable to work at all ; workers ? Whether you end up choosing a fee-for-service plan or a form of managed care , you must examine a benefits summary or an outline of coverage - - the description of policy benefits , exclusions , and provisions that makes it easier to understand a particular policy and compare it with others . When title to a property is conveyed , any new or added flood insurance coverage on the property is effective when the title is transferred . A unit-owner policy will also pay for property damage to personal belongings , wall , floor and ceiling covers , and any accessories not originally installed in the unit . A. No. Although you can select a plan or buy a policy that should cover most medical , hospital , surgical , and pharmaceutical bills , no single policy covers everything . An insured will never be paid more than the value of the covered loss , less deductible , up to the amounts of insurance purchased , so purchasing insurance to value is an important consideration . Every state insurance department has personnel available to answer questions regarding home insurance coverage . You may apply for this insurance through any insurance agent in Indiana . Individual Retirement Account ( IRA ) - An account set up by an individual that in some cases allows contributions to be deducted from income and permits earnings on contributions to accumulate tax-deferred until retirement , regardless of whether the contributions are deductible . Medicare pays the plan a set amount every month for each beneficiary enrolled in the plan . 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 . However , a plan may provide a longer period of coverage beyond those required by COBRA . If it is not still available , you will get a Medicare Supplement plan A , B , C , or F from any company ( as long as you apply within 63 days from disenrolling ) . 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 . Private insurance companies participating in the Write Your Own ( WYO ) program must be licensed and regulated by states to engage in the business of property insurance in those states in which they wish to sell flood insurance . Currently in Indiana , the only Medicare Advantage plan available is a Medicare Advantage HMO . After nine years , India had over 30 million subscribers and was adding 1.5 million more every month , says Vince Mazzola , president and chief executive officer of Lucent Technologies India . In return , the federal government makes flood insurance available for almost every building and its contents within the community . While the distinctions among plans are growing increasingly blurred , the number of options available to consumers increases every day . In other words , during the drill Russia also sent a message , or rather a sales pitch , to China . The intent was to mitigate future damage and provide protection for property owners against potential losses through an insurance mechanism that allows a premium to be paid for the protection by those most in need of this protection . If you are enrolled in Original Medicare , you have the right to appeal denial of a payment for a service you have been provided .