2. AmEx isnât for everyone. All of their cards require excellent credit and they donât do balance transfer deals, making them less attractive to anyone who carries a balance. But if youâre after cash back and travel perks, consider one (or a couple, like I currently have). 1  Best for travel benefits.
3. Broken pipes. A standard homeowners insurance policy provides coverage for damage resulting from sudden breaks of pipes and leaks inside the home. But the water damage must be the result of a sudden break or leak. Water damage as a result of poor maintenance is considered neglect and isn't covered under a standard policy. Keep in mind, however, that breaks to outside water and sewer pipes are not covered.
Surface runoff is the flow of water that occurs when excess stormwater, meltwater, or other sources flows over the Earth's surface. This might occur because soil is saturated to full capacity, because rain arrives more quickly than soil can absorb it, or because impervious areas send their runoff to surrounding soil that cannot absorb all of it. Surface runoff is a major component of the water cycle. It is the primary agent in soil erosion by water. Runoff that occurs on the ground surface befor