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.
2. Flood insurance covers mostlosses caused by surface flood-water. 3. Wind and hail insurance covers losses in coastal areasfrom the winds of a hurricane.In coastal areas, homeownerâsinsurance often does not coverdamage from wind.Read your insurance policies sothat you will know what is coveredand what is not.eanwhile, if you are comfort-able working with electrical fix-tures and wiring, you can cleanthe flooded circuits. Otherwisecall an electrician.To clean a flooded circuit, follow these steps in order: 1. Check the switch at the mainbreaker or fuse box to make surethat the power is still off.