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Homeowners' Insurance
Home insurance, also commonly called homeowner's insurance (often abbreviated in the US real estate industry as HOI), is a type of property insurance that covers a private residence. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory. Additionally, homeowner's insurance provides financial protection against disasters. A standard home insurance policy covers the home and the belongings inside it. Overview Homeowner's policy is a multiple-line insurance policy, meaning that it includes both property insurance and liability coverage, with an indivisible premium, meaning that a single premium is paid for all risks. This means that it covers damage to one's p ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Homeowner Association
A homeowner association (or homeowners' association [HOA], sometimes referred to as a property owners' association [POA], common interest development [CID], or homeowner community) is a private, Incorporation (business), legally-incorporated organization that governs a housing community, collects dues, and sets rules for its residents. HOAs are found principally in the United States, Canada, the Philippines, as well as some other countries. They are formed either ''ipso jure'' (such as in a building with multiple Owner-occupancy, owner-occupancies), or by a real estate developer for the purpose of marketing, Management, managing, and selling homes and lots in a residential subdivision. The developer may transfer control of an HOA after selling a predetermined number of lots. These legal structures, while most common in residential developments, can also be found in commercial, industrial and mixed-use developments, in which context they are referred to as POAs or CIDs instead of HO ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Lock (security Device)
A lock is a mechanics, mechanical or Electronics, electronic fastening device that is released by a physical object (such as a key, Keycard lock, keycard, fingerprint, Radio-frequency identification, RFID card, security token or coin), by supplying secret information (such as a number or letter permutation or password), by a combination thereof, or it may only be able to be opened from one side, such as a door chain. A key is a device that is used to operate a lock (to lock or unlock it). A typical key is a small piece of metal consisting of two parts: the ''Bit (key), bit'' or ''blade'', which slides into the keyhole, keyway of the lock and distinguishes between different keys, and the ''bow'', which is left protruding so that torque can be applied by the user. In its simplest implementation, a key operates one lock or set of locks that are keyed alike, a lock/key system where each similarly keyed lock requires the same, unique key. The key serves as a security token for access ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Flood
A flood is an overflow of water (list of non-water floods, or rarely other fluids) that submerges land that is usually dry. In the sense of "flowing water", the word may also be applied to the inflow of the tide. Floods are of significant concern in agriculture, civil engineering and public health. Environmental issues, Human changes to the environment often increase the intensity and frequency of flooding. Examples for human changes are land use changes such as deforestation and Wetland conservation, removal of wetlands, changes in waterway course or flood controls such as with levees. Global environmental issues also influence causes of floods, namely climate change which causes an Effects of climate change on the water cycle, intensification of the water cycle and sea level rise. For example, climate change makes Extreme weather, extreme weather events more frequent and stronger. This leads to more intense floods and increased flood risk. Natural types of floods include riv ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Earthquake
An earthquakealso called a quake, tremor, or tembloris the shaking of the Earth's surface resulting from a sudden release of energy in the lithosphere that creates seismic waves. Earthquakes can range in intensity, from those so weak they cannot be felt, to those violent enough to propel objects and people into the air, damage critical infrastructure, and wreak destruction across entire cities. The seismic activity of an area is the frequency, type, and size of earthquakes experienced over a particular time. The seismicity at a particular location in the Earth is the average rate of seismic energy release per unit volume. In its most general sense, the word ''earthquake'' is used to describe any seismic event that generates seismic waves. Earthquakes can occur naturally or be induced by human activities, such as mining, fracking, and nuclear weapons testing. The initial point of rupture is called the hypocenter or focus, while the ground level directly above it is the ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Riot
A riot or mob violence is a form of civil disorder commonly characterized by a group lashing out in a violent public disturbance against authority, property, or people. Riots typically involve destruction of property, public or private. The property targeted varies depending on the riot and the inclinations of those involved. Targets can include Shopping mall, shops, cars, restaurants, state-owned institutions, and religious buildings. Riots often occur in reaction to a grievance or out of dissent. Historically, riots have occurred due to poverty, unemployment, poor quality of life, living conditions, governmental oppression, taxation or conscription, conflicts between ethnic groups (race riot) or religions (e.g., sectarian violence, pogrom), the outcome of a sporting event (e.g., sports riot, football hooliganism) or frustration with legal channels through which to air grievances. While individuals may attempt to lead or control a riot, riots typically consist of disorganize ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Traffic Collision
A traffic collision, also known as a motor vehicle collision, or car crash, occurs when a vehicle collides with another vehicle, pedestrian, animal, road debris, or other moving or stationary obstruction, such as a tree, pole or building. Traffic collisions often result in injury, disability, death, and property damage as well as financial costs to both society and the individuals involved. Road transport is statistically the most dangerous situation people deal with on a daily basis, but casualty figures from such incidents attract less media attention than other, less frequent types of tragedy. The commonly used term car accident is increasingly falling out of favor with many government departments and organizations: the Associated Press style guide recommends caution before using the term and the National Union of Journalists advises against it in their Road Collision Reporting Guidelines. Some collisions are intentional vehicle-ramming attacks, staged crashes, vehicu ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Vandalism
Vandalism is the action involving deliberate destruction of or damage to public or private property. The term includes property damage, such as graffiti and defacement directed towards any property without permission of the owner. The term finds its roots in an Enlightenment view that the Germanic Vandals were a uniquely destructive people, as they sacked Rome in 455 AD. Etymology The Vandals, an ancient Germanic people, are associated with senseless destruction as a result of their sack of Rome under King Genseric in 455. During the Enlightenment, Rome was idealized, while the Goths and Vandals were blamed for its destruction. The Vandals may not have been any more destructive than other invaders of ancient times, but they did inspire English poet John Dryden to write, ''Till Goths, and Vandals, a rude Northern race, Did all the matchless Monuments deface'' (1694). However, the Vandals did intentionally damage statues, which may be why their name is associated with ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Smoke
Smoke is an aerosol (a suspension of airborne particulates and gases) emitted when a material undergoes combustion or pyrolysis, together with the quantity of air that is entrained or otherwise mixed into the mass. It is commonly an unwanted by-product of fires (including stoves, candles, internal combustion engines, oil lamps, and fireplaces), but may also be used for pest control ( fumigation), communication ( smoke signals), defensive and offensive capabilities in the military ( smoke screen), cooking, or smoking (tobacco, cannabis, etc.). It is used in rituals where incense, sage, or resin is burned to produce a smell for spiritual or magical purposes. It can also be a flavoring agent and preservative. Smoke inhalation is the primary cause of death in victims of indoor fires. The smoke kills by a combination of thermal damage, poisoning and pulmonary irritation caused by carbon monoxide, hydrogen cyanide and other combustion products. Smoke is an aerosol (or mi ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Explosion
An explosion is a rapid expansion in volume of a given amount of matter associated with an extreme outward release of energy, usually with the generation of high temperatures and release of high-pressure gases. Explosions may also be generated by a slower expansion that would normally not be forceful, but is not allowed to expand, so that when whatever is containing the expansion is broken by the pressure that builds as the matter inside tries to expand, the matter expands forcefully. An example of this is a Volcano, volcanic eruption created by the expansion of magma in a magma chamber as it rises to the surface. Supersonic explosions created by high explosives are known as detonations and travel through shock waves. wikt:subsonic, Subsonic explosions are created by low explosives through a slower combustion process known as deflagration. Causes For an explosion to occur, there must be a rapid, forceful expansion of matter. There are numerous ways this can happen, both natura ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Hail
Hail is a form of solid Precipitation (meteorology), precipitation. It is distinct from ice pellets (American English "sleet"), though the two are often confused. It consists of balls or irregular lumps of ice, each of which is called a hailstone. Ice pellets generally fall in cold weather, while hail growth is greatly inhibited during low surface temperatures. Unlike other forms of ice, water ice precipitation, such as graupel (which is made of rime ice), ice pellets (which are smaller and Transparency and translucency, translucent), and snow (which consists of tiny, delicately crystalline flakes or needles), hailstones usually measure between and in diameter. The METAR reporting code for hail or greater is GR, while smaller hailstones and graupel are coded GS. Hail is possible during most thunderstorms (as it is produced by cumulonimbus), as well as within of the parent storm. Hail formation requires environments of strong, upward motion of air within the parent thunderst ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Storm
A storm is any disturbed state of the natural environment or the atmosphere of an astronomical body. It may be marked by significant disruptions to normal conditions such as strong wind, tornadoes, hail, thunder and lightning (a thunderstorm), heavy precipitation ( snowstorm, rainstorm), heavy freezing rain ( ice storm), strong winds (tropical cyclone, windstorm), wind transporting some substance through the atmosphere such as in a dust storm, among other forms of severe weather. Storms have the potential to harm lives and property via storm surge, heavy rain or snow causing flooding or road impassibility, lightning, wildfires, and vertical and horizontal wind shear. Systems with significant rainfall and duration help alleviate drought in places they move through. Heavy snowfall can allow special recreational activities to take place which would not be possible otherwise, such as skiing and snowmobiling. The English word comes from Proto-Germanic ''*sturmaz'' meaning "n ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Lightning
Lightning is a natural phenomenon consisting of electrostatic discharges occurring through the atmosphere between two electrically charged regions. One or both regions are within the atmosphere, with the second region sometimes occurring on the land, ground. Following the lightning, the regions become partially or wholly electrically neutralized. Lightning involves a near-instantaneous release of energy on a scale averaging between 200 megajoules and 7 gigajoules. The air around the lightning flash rapidly heats to temperatures of about . There is an emission of electromagnetic radiation across a wide range of wavelengths, some visible as a bright flash. Lightning also causes thunder, a sound from the shock wave which develops as heated gases in the vicinity of the discharge experience a sudden increase in pressure. The most common occurrence of a lightning event is known as a thunderstorm, though they can also commonly occur in other types of energetic weather systems, such ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
