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.
A homeowners insurance policy is meant to cover your home for itâs full REPLACEMENT COST TO REBUILD. This does not include the land value, because the insurance policy will not replace the land. Insurance Companies use a Replacement Cost Estimator to determine the homeâs replacement cost to rebuild. Some factors that are part of the RCE are: The homeâs square footage