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var KatrinaInsuranceTips = new Array();
KatrinaInsuranceTips.ID = "KatrinaInsuranceTips";
KatrinaInsuranceTips.ID_WB = 9258342;
KatrinaInsuranceTips.sPubDate = "9/8/2005 7:46:16 PM GMT";
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KatrinaInsuranceTips.appHeader = "Fact File|Insurance tips for Katrina victims";
KatrinaInsuranceTips.appDeck = "In the wake of Hurricane Katrina, the following are some suggestions and advice if your property has sustained damage.";
KatrinaInsuranceTips.appFooter = "Sources: Insurance Information Institute; Property Casualty Insurers Association of America";
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KatrinaInsuranceTips[i++] = new Array("","Wind vs. water damage","","","","", "", "", "", "", "", "", "", "", "", "", "", "", "", "");
KatrinaInsuranceTips[i-1].body = "<headline/><br><li>Homeowners insurance generally does not cover damage due to flood. Adjusters will have to look at each property and make a case-by-case-determination of what caused the loss. Adjusters are trained to tell the difference between flood damage and wind damage. In the past, the vast majority of claims have been settled within several months of the disaster.<br><li>Disputes generally are resolved through arbitration and mediation.<br><li>Although flood damage will not be covered by private insurers, the losses will be covered if homeowners purchased coverage under the federal government's National Flood Insurance Program.";

KatrinaInsuranceTips[i++] = new Array("","Damage assessment","","","","", "", "", "", "", "", "", "", "", "", "", "", "", "", "");
KatrinaInsuranceTips[i-1].body = "<headline/><br><li> Give your agent or insurance representative a description of the damage to your property. Your agent will report the loss to your insurance company or to a qualified adjuster who will contact you as soon as possible to inspect the damage.<br><li> If possible, take photos of the damaged areas.<br><li> Make a detailed inventory of all damaged or destroyed personal property and make a copy. The list should be as complete as possible including a description of the items, dates of purchase or approximate age, cost at time of purchase and estimated replacement cost.";

KatrinaInsuranceTips[i++] = new Array("","Repairs","","","","", "", "", "", "", "", "", "", "", "", "", "", "", "", "");
KatrinaInsuranceTips[i-1].body = "<headline/><br><li>Make whatever temporary repairs you can. Cover broken windows, damaged roofs and walls to prevent further destruction.<br><li>Save receipts for supplies and materials you purchase. Your insurance company will reimburse you for reasonable expenses in making temporary repairs.<br><li>Secure a detailed estimate for permanent repairs to your home from a reliable contractor and give it to the adjuster. The estimate should contain the proposed repairs, repair costs and replacement prices.";

KatrinaInsuranceTips[i++] = new Array("","Temporary accommodation","","","","", "", "", "", "", "", "", "", "", "", "", "", "", "", "");
KatrinaInsuranceTips[i-1].body = "<headline/><br><li>If a home is damaged by wind, then there may be coverage for additional living expenses under your homeowners policy.<br><li>If the property is intact and the cause of loss is due to flooding, coverage for property losses will be found in the flood insurance policy.  Flood policies do not provide coverage for additional living expenses. In these situations homeowners may be eligible for natural disaster assistance in the form of a low-interest loan or grant from the government.<br><li>Payment of additional living expenses generally is limited to 20 percent of the home's value, with a time limit of 2 years.";

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