Flood Insurance Basics洪水保险的基本知识
A flood is not always defined as a wall of water rushing towards your property and taking all your belongings into the river to merge with the other belongings of your neighbours. 洪水并不总是定义为一面巨大的水墙急于对你的财产，并采取一切你的财物流入河中，以合并或其他财物，你的邻居。 Even a single inch of excess water is enough to cause costly damage to your home and to your belongings. 甚至单一英寸的超额用水，是足以引起昂贵破坏你的家和你的财物。 A flood is something that may happen in the middle of the night while you are sleeping or when you are out of town for a holiday.洪水是有可能会发生在半夜，而你都在睡大觉，或当你走出城市，为假日。 It is something that may come in at your most unexpected moment, and you are helpless when it comes.也可能是某种东西，可能在你最意想不到的时刻，你是无助的时候，它的到来。 This is why you need to get a flood insurance, which is a specific insurance policy that protects your property against damage caused by flood.这就是为什么你需要得到洪水保险，这是一种特定的保险政策，保护你的财产，使其免遭破坏所造成的洪水。
People who live in an area which is high risk for flooding should definitely consider getting a flood damage insurance.人生活在一个地区，是高风险，为水浸绝对应该考虑得到洪灾保险。 Insurance providers which offer cover policies against flood damage have their own means and use topographical maps to assess the location of your home and see how high the risk is for flood damage is.保险提供商提供涵盖政策，对洪水的破坏有自己的手段，并利用地形图，以评估的地点你的家，看看到底有多高风险，是为洪灾损失。 Because of this, many insurance providers may even refuse flood damage insurance to customers who are at high risk.由于这个原因，许多保险公司提供，甚至可能拒绝洪灾损失保险，以客户的人是高危险群。 Getting insurance for flood cover is just one of the insurance policies available in the market today.获得保险洪水掩盖的只是其中一项保险政策，可在市场今天。 People get health insurance, auto insurance, fire insurance, travel insurance, and others but flood insurance is very necessary especially if you live in a flood risk area.人的健康保险，汽车保险，火灾保险，旅游保险等，但洪水保险是非常必要的，尤其是如果你住在一个洪水风险区。 You may not be aware of this but losses and damages due to floods are 30 times more likely to occur than fire losses and this is especially true if your house is located in a flood zone.你可能不知道，不过，损失和损害是由于洪水是30倍更有可能出现比火灾损失，这是尤其如此，如果你的房子是位于洪水区。 If you value your home and its contents which you have spent so much to acquire, then think twice and do not scrimp on a few hundred dollars a year to get a flood insurance policy.如果你的价值你的家，其内容，你花了这么多学习，那么三思，不节衣缩食数百元，每年获得洪水保险政策。 Do not wait until it is too late.不要等到为时已晚。 You may also find it pays to get a policy cover for your house building and the contents as well.你也可以找到它自付，以获得保单内容，为您家的建设和内容等。 Floods are caused by several factors.洪水所造成的几个因素。 Urbanization, for example is one of the movements of men that results to flooding.城市化，举例来说就是其中的变动男士，结果严重水浸。 As more and more concrete roads and parking lots are constructed to replace the natural land, the ability of natural lands to absorb water is decreased.随着越来越多的具体道路和停车场，是用以取代自然土地，有能力的自然土地，以吸收水分，减少了。 The changing weather pattern is another factor that has made the occurrence of floods more severe and frequent.不断变化的天气模式，是另一个因素，这使发生的水灾更为严重和频繁。 When there is a mudflow, tidal waters overflowing or when the land along the shore of a lake collapses, flooding is not a remote possibility.当有一个泥流，潮汐水域满溢或当土地沿着岸边的一个湖泊一旦坍塌，洪水是不是一个遥远的可能性。 Flood insurance offers customers many benefits in the UK but due to constant flooding, the flood insurance premiums have gone much higher in the UK than they usually do. 洪水保险为客户提供了很多好处，在英国，但由于不断的水患，洪水保险的保费已高得多，在英国超过他们通常会做的。 It is wise to have a flood insurance policy because when the need arises, your flood insurance policy will compensate for the loss or damage of all the items you have declared and you can get your flood insurance claim in no time at all to help you recover. 这是一个明智的有洪水保险政策，因为在有需要时，你的洪水保险政策，将用于补偿损失或者其他损害的所有项目，你都宣称，你可以得到你的洪水保险索赔，在任何时候都帮你追回。
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