The reason âhazard insuranceâ is a common term is actually because of lenders. Your mortgage loan provider may require hazard insurance at minimum before they will issue you a loan, because that is the only portion of the homeowners insurance policy directly related to the home structure itself.
riotous - characterized by unrest or disorder or insubordination; effects of the struggle will be violent and disruptive; riotous times; these troubled areas; the tumultuous years of his administration; a turbulent and unruly childhood
A callous person or action is very cruel and shows no concern for other people or their feelings. ...his callous disregard for human life. ...the callousness of Raymond's murder. He is accused of consistently and callously ill-treating his wife.