Flood insurance is often viewed as an unnecessary expense. However, when it is needed, it is the most important insurance coverage that one can have. This article examines flood insurance and the federal government flood insurance program.

The previous article addressed the important topic of insurance claims, the event that triggers the insurance company to pay. This article examines the related topic of what triggers the obligation for the insurance policy to pay? There are a number of ways an insurance policy can address this issue.

An insurance company is usually only obligated to pay for a loss if a claim is filed. The claim may be filed by the insured or a third party.

This is the third part of an article explaning common issues in bying insurance. It is written from a lawyer’s perspective. The prior articles examined issues relating to sales practices, when insurance coverage begins, and who is insured. This article examines what risks are covered.

This is the second part of an article describing a lawyer’s perspective on bying insurance. The prior article examined issues relating to sales practices and when insurance coverage begins. This article examines who is insured under the insurance policy.