In The United Kingdom
Usually, the British insurers require from clients living in Flood Risk Areas to flood-proof their homes or face much higher premiums and excesses.
Read more about this topic: Flood Insurance
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“The United Nations cannot do anything, and never could; it is not an animate entity or agent. It is a place, a stage, a forum and a shrine ... a place to which powerful people can repair when they are fearful about the course on which their own rhetoric seems to be propelling them.”
—Conor Cruise O’Brien (b. 1917)
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—Joseph De Maistre (1753–1821)