Most Americans don't realize that flood damage is NOT covered by standard property insurance policies. This book helps educate homeowners and renters about how to protect themselves. It's a primer on flood insurance, covering the mechanics and details of how flood-related damages are discovered, identified, repaired, insured, litigated, negotiated and settled. Uses NFIP and FEMA insurance/risk management guidelines, standard insurance policy language, current case studies and analysis of black-letter law to give the reader a thorough understanding of this risk. And practical tips on what to do when flood waters start to rise.