80+ country-specific guides covering country characteristics, the people, language, culture, etiquette, business protocol, communication styles and much more . Azerbaijan Guide Language, Culture, Customs and Etiquette Facts and Statistics. Location: Southwestern Asia, bordering the Caspian Sea, between Iran and Russia, with a small European portion north of the Caucasus range Capital: Baku
Is Your Home Insured For Water Damage? Water is one of the most common causes of damage in homes, and it represents a large number of insurance claims. Water damage to your property can happen from any number of sources, such as plumbing, appliances, storms, accidents and infiltration. Causes of Water Damage in Insurance: What's Covered? If water damage is sudden and accidental, there's a good chance you are covered by most standard home insurance policies. Depending on your policy, you might have coverage for damage caused by water. Some coverage is included in a standard home policy like an HO-3; other sources of damage might not be covered unless you add an endorsement to your policy.
The federal government runs the National Flood Insurance Program (NFIP), which issues flood insurance policies. Even if you have homeowners, renters, condo, landlord, mobile home or business insurance, you may need to purchase a separate flood insurance policy to be protected from flood damage.ou don't have to live in a high-risk flood zone to be affected by a flood. Floods and flash floods can occur anywhere, even in the desert. Just an inch of water can cause damage to your property. In fact, in the U.S., flood-related losses cost people more than a billion dollars a year 1.