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These policies typically contain a very high deductible ( $ 15,000 or more ) , and a maximum lifetime limit high enough to cover the costs of catastrophic illness . More-careful local management of development in the floodplains results in construction practices that can reduce flood loss and the high costs associated with flood disasters to all levels of government . Most insurance departments publish home insurance guides that contain information specific to that particular jurisdiction . By employing wise floodplain management , a participating community can protect its citizens against much of the devastating financial loss resulting from future flood disasters . Premiums are typically high but coverage is guaranteed if one meets the eligibility requirements . Payments may begin at once or at some future date . Because a community 's participation status can significantly affect current and future owners of property located in Special Flood Hazard Areas ( SFHA ) and the availability of federal financial assistance in the flood-prone areas of the community , the decision should be made with a full awareness of the consequence of each action . 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 . The phrase , " floodplain management measures , " refers to an overall community program of corrective and preventive measures for reducing future flood damage . A spokesman for the al-Jamaia-Islamiya Muslim organization in Islamabad told al-Jazeera TV that this was a " black day for the Pakistani people " and that they would not support Musharraf in his move to establish diplomatic ties with Israel . Surrender charges typically decrease to zero after five to 10 years , from issue of the contract or from receipt of a particular premium payment . Find suppliers who accept Medicare assignment where you live See if a particular piece of equipment or supply is covered by Medicare Find out about a durable medical equipment claim Ask questions about wheel chairs , hospital beds , walkers , oxygen , etc. AARP promotes and supports advocacy , education , and community service activities in states and communities . In particular , ask them what kind of claim service they have received from the companies they recommend . 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 . Participation in the NFIP is based on an agreement between local communities and the federal government which states that if a community will implement and enforce measures to reduce future flood risks to new construction in special flood hazard areas , the federal government will make flood insurance available within the community as a financial protection against flood losses which do occur .