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Most contents and finishing materials located in a basement or in enclosures below the lowest elevated floor of an elevated Post-FIRM building are not covered . The main beneficiary : The eastSome residents in the west say the improved roads will merely allow easier , more convenient shipment of natural resources to factories in the east , and that the west will not be the main beneficiary . If the rates are fair , adequate , and not excessive or unfairly discriminatory , the companies use them . The statement will be filed with the Court Clerk d. The key to comparison shopping is to know what insurance coverages you need before you start and then to find out how much those coverages will cost from a number of insurers . The appellee must serve copies of any such answering papers on the appellant . Any seller of goods who places an article on the market , which is in a defective condition , unreasonably dangerous to the user , or any third person who may foreseeably be injured , is liable for damages caused by the defective condition of the product . The real interests of course are those of the ruling clique in Pyongyang . Any person who shall have on his premises any abandoned chest , icebox , refrigerator or other container not in active use , the attached door to which has a latch or lock which automatically fastens upon the door being closed and which can not be readily opened from the inside , shall completely remove the door , or secure it in such a manner as to prevent someone from accidentally locking themselves inside . ) Information on the insurability of any special property may be obtained by contacting a property insurance agent or a Write Your Own company agent .