Your Insurance: You Know What to Expect

"Policy Ensurance"
The Book

  • "Policy Ensurance" INDEX
    • A Post-mortem, 149
    • Abandon property, 39, 43, 57, 58
    • Acceptance, 126
    • Accident, 126
    • Act of God, 126
    • Acts which void the policy, 36
    • Actual cash value, 11, 13, 14, 22, 23, 25, 27, 28, 48, 52, 56, 57, 94, 121, 124, 126
      • of building claims, 13, 15, 19, 20, 26
      • of personal property claims, 10, 13, 17, 18, 20, 26
    • Actual damages, 126
    • Added Provisions, 41
    • Additional insured, 44, 126
    • Additional living expenses, 26, 79, 96, 126
    • Adhesion contracts, 86
    • Adjuster, 126
      • as your own, 5, 7, 9, 137, 138
      • authority, 7, 9, 60, 92, 93
      • company, 7, 9, 10, 11, 12, 33, 42, 52, 53, 59, 87, 91, 93, 94
      • independent, 9, 87, 88, 92, 93
      • policyholder, 9, 24, 53, 92
      • public, 9, 53, 92
    • Adjusting,
      • claims in general, 3-12, 15, 16, 20, 21, 137, 138
      • options of policyholder, 9
    • Adjustment, 126
    • Advertising, 4, 14, 136, 137
    • Aetna Casualty & Surety Co., 37, 40, 57, 59, 62, 67, 70, 79, 84, 87
    • Aetna Insurance Co., 64, 83, 94
    • Aetna Life & Cas. Insurance Co., 61, 68, 86
    • Affidavit--sample, 7, 18, 127
    • Agency, 127
    • Agent, 106, 112, 127
    • Agricultural Insurance Co., 43, 54, 55
    • Agway Insurance Co., 84
    • Aircraft, 85
    • Alabama Farm Bureau Mut. Cas. Insurance Co., 37
    • Albany Insurance Co., 88
    • All-risk insurance, 131
    • Allstate Insurance Co., 57, 58, 69, 70, 82, 86, 89, 90, 92, 95
    • American Cas. Co., 61
    • American Cent. Insurance Co., 55, 56
    • American Hardware Mutual Insurance Co., 36, 43
    • American Home Assurance Co., 36, 59
    • American Insurance Corp., 95
    • American Motorists Insurance Co., 59
    • Apparent agent, 127
    • Apportionment, 26, 28, 127
    • Appraisal, 8, 10, 24, 43, 52, 80, 85, 127
      • award, 52-57, 127
      • candidates, 53
      • conditions for, 7, 8, 10, 52, 56, 57, 78
      • demand letter, 51, 52
      • error, 56
      • evidence, 56
      • failure, 54, 56
      • fees, 24, 52
      • not binding, 53-57
      • scope, 55, 57
    • Appraiser, 24, 127
      • appointment, 52
      • disqualification, 54, 57
      • fee, 24, 52
      • objection, 55
      • qualification, 53-55
    • Arson, 98
      • acquittal, 79, 81
      • as reason for claim denial, 36, 80, 81
      • false accusations, 94
      • proof of, 36, 68, 81, 94
    • Assignee, 128
    • Assignment, 47, 64, 128
    • Associated Indemnity Corp., 93
    • Atlas Assur. Co., 56
    • Attorney Fees, 67-71, 80
    • Automobile insurance, 90, 97, 116, 131
      • actual cash value, 80, 109, 110
      • collision, 81
      • company standards, 70, 109, 110, 114
      • in dead storage, 82
      • payment acceptance, 81
      • property claims, 86
      • repair & replacement, 70, 80, 109, 110, 134
      • theft, 82
    • Automobile Insurance Co. of Hartford Conn., 90
    • Bad faith, punitive penalties, 58, 67-71, 80, 85, 89, 90, 93, 94, 96, 128
      • failure to file for, 58
      • lost business profits, 70
    • Bank collection service, 65
    • Betterment, 128
    • Binder, 38, 46, 128
    • Boat damage, 85
    • Boiler insurance, 100
    • Brethren Mut. Insurance Co., 56
    • Broker, 128
    • Brown Township Mut. Insurance Assn., 70
    • Building claim, 21
      • coinsurance, 14, 15, 84,
      • constructive total loss, 33
      • depreciation, 12
      • estimate comparison, 19
      • underinsurance penalty, 8, 21, 84
      • under replacement cost coverage, 21
    • Building contractor, 8, 19, 66, 96
    • Burden of proof, 8, 81, 84
    • Bureau of Fraudulent Claims, 37
    • Business interruption insurance, 26, 41, 131
    • California Insurance Code, 7, 37
      • Unfair Practices, 7, 125
    • Calif. Union Insurance Co., 83
    • Camden Fire Insurance Ass'n., 33
    • Canal Insurance Co., 82
    • Cancellation, 44, 45, 46
      • by substitution, 45
      • for premium non payment, 45
      • limitations, 45
      • nonrenewal, 46
      • notice, 39, 4-46
      • premium return, 44-46
    • Central Iowa Mutual Insurance Assn., 39
    • Century Indemnity Co., 62
    • Cherokee Insurance Co., 50
    • Cincinnati Insurance Co., 80, 89
    • Claim,
      • adjusting, 137, 138
      • definition of, 128, 138
      • filing, 48, 49, 50
      • in excess of policy limit, 8
      • rejection, 44, 69, 79, 80, 93, 108, 112
      • undisputed portion of, 51, 66, 70, 85, 121
    • Claim conscious, 128
    • Claim file, 112
    • Claim reserve, 128
    • Claimant, 106, 112, 128
    • Clayton Act, 100
    • Closing Techniques, 75
    • Coinsurance, 14, 15, 38, 84, 114
    • Coinsured, 129
    • Commerce & Industry Insurance Co., 46
    • Commercial Union Assur. Co., 15, 33
    • Commercial Union Insurance Co., 48, 62
    • Commissioner of Insurance, 98, 100, 129
    • Conditions suspending coverage, 39
    • Consolidated Insurance Co., 61
    • Constructive total losses, 33, 129
    • Consumer Protection Act, 79
    • Consumer Protection Law, 92
    • Continental Casualty Co., 68, 69, 79, 87
    • Continental Insurance Co., 40, 63
    • Continental Re-Insurance Co., 68
    • Cow, 78
      • sacred, 136
    • Crime insurance, 131
    • Crop insurance, 131
    • Dearborn Nat. Insurance Co., 42
    • Declaration page, 129
    • Deductible, 50, 129
    • Depreciation, 7, 10-12, 17, 22, 23, 129
    • Documentation, 112
    • Draft, 71, 76, 84, 93, 107, 129
    • Draft collection service, 129
    • Due diligence, 129
    • Empire Cooperative Fire Insurance Co., 12
    • Employers Mut. Casualty Co., 48, 61
    • Ensurance, 3, 129
    • Equitable General Insurance Co., 83
    • Equivocal agent, 127
    • Estimate comparison, 8, 10, 11, 129
    • Examination under oath,
      • compliance, 33
      • delay, 85
      • failure to submit to, 50
      • refusal, 34, 52, 79
      • requirements, 33, 34, 37, 49
      • rights, 34, 37
    • Excelsior Insurance Co. of N.Y., 79, 89
    • Excess insurance, 131
    • Exclusion, 129
    • Expediency, 129, 136
    • Explosion, 40, 85
    • Extended coverage, 41
    • Farm Bureau Mut. Insurance Co., 69
    • Farmers Auto Insurance Assn., 42
    • Farmers Home Mut. Insurance Co., 80
    • Farmers Insurance Co. of America, 36
    • Farmers & Merchants Insurance Co., 39
    • Farmers Mut. Insurance Assn. of Walker Co., GA., 39
    • Farmers Mut. Insurance Co. of Nebraska, 39
    • Farmers Mutual Home Insurance Co. of Hooper, 83
    • Federal Insurance Adm., 45
    • Federal Insurance Co., 63
    • Federal Kemper Insurance Co., 69
    • Federal Trade Commission Act, 100
    • Federated Adjustment Co., 92
    • Fidelity & Deposit Co., 33
    • Fidelity-Southern Fire Insurance Co., 85
    • Fiduciary relationship, 86-92, 130
    • Fifth Amendment rights, 37, 52
    • Fire Insurance, 97-99, 117
    • Fire Insurance Exchange, 37, 90
    • Fire sale, 16
    • Fireman's Fund Insurance Co., 37, 62, 64, 86
    • Firemen's Insurance Co., 33, 70
    • First of Georgia Underwriters, 93
    • First party insurance, 131
    • Floater insurance, 131
    • Flood, 131
      • already in progress, 44
      • claim data, 101
      • damage, 83
    • Fraud, misrepresentation, 9, 36, 37, 38, 43, 47, 78, 79, 81, 82, 88, 89, 91, 96, 107, 113, 115, 124, 135, 136
    • General Accident & Fire Insurance Co., 61
    • General building contractor, 130
    • Georgia Farm Bureau Mut., 96
    • Georgia Farm Bureau Mut. Insurance Co., 43
    • German-American Insurance Co., 55
    • German Insurance Co., 54
    • Glenn Falls Insurance Co., 33, 61
    • Good faith, 130
    • Good times to settle, 75
    • Glossary, 126
    • Government Employees Insurance Co., 86
    • Grain Dealers Mutual Insurance Co., 84
    • Granite State Fire Insurance Co., 78
    • Great American Insurance Co.,, 37, 40, 52, 83 96
    • Great Central Insurance Co., 47
    • Great Southwest Fire Insurance Co., 45
    • Grenwich Insurance Co., 55
    • Gulf Insurance Co., 12
    • Hail damage, 84
    • Hamburg-Bremen Fire Insurance Co., 33, 54, 55
    • Hamilton County Mut. Fire Insurance Co., 33
    • Hanover Fire Insurance Co., 54
    • Hanover Insurance Co., 65, 85
    • Hartford Accident & Indemnity Co., 69
    • Hartford Fire Insurance Co., 12, 15, 54-56, 63, 70, 80
    • Hartford Insurance Co., 82
    • Hazards not covered, 38
    • Highland Insurance Co., 78
    • Highlands Insurance Co., 67
    • Hochheim Prairie Farm Mut. Insurance, 84
    • Home Assurance Co., 42
    • Home Insurance Co., 37, 38, 55, 56, 58, 88
    • Homeowners Insurance, 41, 61, 65, 81-83, 99, 132
    • Hoosier Insurance Co., 36, 68
    • Horace Mann Insurance Co., 78
    • How to get what you deserve, 7, 8
    • Hudson Insurance Co., 84
    • Hull Insurance, 132
    • Illinois Fair Plan Assn., 39, 43
    • Illinois Farmers Insurance Co., 88
    • Increased hazard, 39, 40, 43
    • Indemnity Co. of America, 43
    • Independent Fire Insurance Co., 41
    • Indiana Insurance Co., 42
    • Informal Rules of a Negotiation, 73
    • Inland marine insurance, 99, 132
    • Insurable interest, 130
      • mortgagee, 47
      • policyholder, 47
    • Insurance, 130
    • Insurance agent, 38, 39, 43-45, 83, 113
      • duty, 83, 86, 87, 90, 91, 94-96
    • Insurance broker, 47 84, 87
      • duty, 87, 95, 96
      • fee, 92
    • Insurance company obligations,
      • to act in good faith, 74, 86-90, 93, 94
      • to deliver policy, 84
      • to investigate, 68, 85, 107, 108, 111, 112
      • to pay, 53, 58, 84
      • to pay on time waived, 79
    • Insurance company statistics, 132
    • Insurance company tactics, 71
    • Insurance Co. of North America, 45, 54, 63, 79, 81, 85
    • Insurance Co. of State of Penn., 12
    • Insurance company options,
      • to take property, 57
      • to quit-claim deed, 68
      • to repair, replace property, 14, 57, 58, 67, 69, 84, 86, 96
    • Insurance Placement Facility, 44
    • Insurance Placement Facility of Penn., 60
    • Insured, 82, 132
    • Insurer, 106, 132
    • Insurrection, rebellion, riot, 38, 83
    • Integon Gen. Insurance Corp. 89, 94
    • Intentional acts, 40
    • Interest, 67-70
    • International Insurance Co., 79
    • Interstate Fire Insurance Co., 43
    • Introduction to basic rights, 5, 6
    • Investigator, 89, 94
    • Investigation, 68, 80, 85, 107, 108, 112, 132
    • King, Dick Insurance. Inc., 45
    • Know Your Adversary, 72
    • L & G Insurance Co., 55
    • Laissez-faire, 133
    • Lancashire Insurance Co., 93
    • League General Insurance Co., 91
    • Liability Insurance, 41, 97
    • Liberty Mut. Insurance, 90
    • Liberty Mut. Fire Insurance Co.,
    • Life Insurance Co. of Virginia, 90
    • Like kind and quality, 12-14, 86
    • Lilburn Insurance Agency, Inc., 87
    • Limited insurance representative, 112
    • Litilz Mut. Insurance Co., 13, 65
    • London & Lancashire Insurance Co., 93
    • Loss ordered or caused by civil authority, 38, 81
    • Louisiana Farm Bur. Mut. Insurance Co., 50
    • Lumbermens Mutual Cas. Co., 86
    • Maine Mut. Fire Insurance Co., 79
    • Mamou Farm Services, Inc., 84
    • Manchester Fire Assur. Co., 54
    • Market value, 11-13, 48, 84, 133
    • Marlow Adjustment, Inc., 47
    • Maryland Casualty Co., 33
    • Maryland Motor Cars Insurance Co., 12
    • McCarran Act, 100, 133
    • Measure of value, 133
    • Mechanics & Traders Insurance Co. of Hartford, 34
    • Mechanic's lien, 133
    • Mechanics' Insurance Co., 55
    • Mercantile Insurance Co., 56
    • Merchants Mut. Insurance Co., 81
    • Metropolitan Mutual Fire, 33
    • Michigan Mutual Insurance Co., 40
    • Mid-America Fire & Marine Insurance Co., 68
    • Mid-Century Insurance Co., 44
    • Milbanks Mut. Insurance Co., 46
    • Miscellaneous court cases, 78
    • Missouri Prop. Insurance Placement Facility, 47
    • Mixed insurance co., 133
    • Mobile home, 78
    • Mortgage interests, 46
    • Mortgagee, 13, 46, 47, 58, 65-67, 133
      • claim time limit, 47, 58
      • control of funds, 66, 67
      • filing proof of loss, 47
      • limit of interest, 48
      • loss of rights, 47
      • loss payable clause, 47
      • notice of cancellation, 46
    • Motorhome, 78
    • Municipal Mut. Insurance Co., 46,
    • Mutual Insurance Co., 133
    • Mutual of Omaha, 88
    • Mysterious disappearance, 81, 133
    • N.A.I.C. Unfair Practices Model Regulation, 100, 106
    • Named insured, 133
    • National Assn. of Insurance Commissioners, 133
      • history of, 100
    • National Board of Fire Underwriters, 98
    • National Fire Insurance Co., 42, 54
    • National Insurance Co., 12
    • National Lloyd's Insurance Co., 88
    • National Security Fire & Cas. Co., 36, 41
    • National Union Fire Insurance Co., 84
    • Nationwide Mut. Fire Insurance Co., 84
    • Nationwide Mut. Insurance Co., 67, 80, 95
    • Netherlands Insurance Co., 33
    • New Hampshire Indemnity Co., 70
    • New Hampshire Fire Insurance Co., 33
    • New Hampshire Insurance Co., 53
    • New York Property Insurance Underwriting Assn., 34, 47, 52
    • New York Underwriters' Insurance Co., 15, 55
    • Non-waiver agreement, 68, 133
    • North Carolina Farm Bureau Mut. Insurance Co., 39, 41
    • North River Insurance Co., 46
    • Northern Assurance Co., 13
    • Northwestern Mut. Life Insurance Co., 33
    • Northwestern Nat'l Insurance Co., 12, 88
    • Norwich Union Fire Insurance Society, 54
    • Notary, 134
    • Notice of loss, 50, 107, 112, 134
    • Occidental Insurance Co., 13
    • Occupancy, 83, 134
    • Ohio Farmers Insurance Co., 43
    • Ostensible agent, 113
    • Other insurance, 39, 43
    • Otsego Co. Farmers' Cooperative Fire Insurance Co., 34
    • Otsego Mutual Fire Insurance Co., 85
    • Owner-builder, 134
    • Patrons Mut. Fire Insurance Co., 57
    • Pawtucket Mut. Fire Insurance Co., 56
    • Pekin Life Insurance Co., 96
    • Penalties, 11, 14, 15, 67-69, 80
    • Penn. Lumbermen's Mut. Insurance Co., 95
    • Penn. Mut. Fire Insurance Co., 44, 59
    • Penn. Mut. Fire Insurance Co. of Westchester, PA., 12
    • Penninsular Fire Insurance Co., 81
    • Personal property claim,
      • calculating value of, 9-13
      • depreciation, 10-12
      • listing of, 7, 9
      • property in bankruptcy, 81
      • relying on co. adjuster, 91
      • sample claim, 7, 10, 11, 17
    • Phoenix Assur. Co., 56
    • Phoenix Insurance Co., 43, 55
    • Phoenix Mut. Fire Insurance Co., 96
    • Policyholder,
      • authority of, 6-11, 48
      • duty of, 39, 48, 49, 85, 87, 91, 95
      • interest, 24
      • lack of cooperation, 80
      • neglect by, 38
    • Polygraph exam, 37, 80
    • Preferred Mut. Fire Insurance Co., 41, 66
    • Preparation, 4, 71
    • Progressive Cas. Insurance Co., 94
    • Proof of loss, 7, 20, 27, 36, 37, 44, 48, 49, 52, 57, 66, 78, 79, 84, 85, 89, 93, 134
      • binding, 84, 89
      • late filing, 42, 43, 52
      • refusal to file, 52
      • rejection, 50
      • requirements, 42, 48, 49
      • support of, 7, 8, 10
      • waiver of, 36, 42
    • Property disposal, 55
    • Property insurance data, 101
    • Property insurance history, 97- 100
    • Pro rata liability, 48
    • Provisions limiting insurance company liability, 13
    • Prudential Property, 85
    • Prudential Property & Cas. Insurance Co., 82
    • Public Adjuster Law, 92
    • Public Employees Mut. Insurance Co., 85
    • Public Mutual Fire Insurance Co., 45
    • Punitive damages, 134
    • Quincy Mut. Fire Insurance Co., 40
    • Reading Insurance Co., 55
    • Regulatory authorities, 102-104
    • Reliance Insurance Co., 44
    • Repair authorization, 134
    • Repair or replacement, 10-14, 58, 67, 69-71, 78, 84, 86, 93, 96, 134
    • Replacement cost policy, 14, 21- 23, 42, 67, 70, 84, 94, 134
    • Replacement cost supplemental claim, 21, 22, 134
    • Republic Insurance Co., 41, 69
    • Republic Insurance Group, 95
    • Republic Underwriters Insurance Co., 87
    • Requirements in case of loss, 48- 50
    • Right to proceeds, 65, 66
    • Riverside Insurance Co., 68
    • Rochester German Insurance Co., 33
    • Rockford Insurance Co., 55
    • Royal Globe Insurance Co., 47, 60, 64, 94
    • Royal Insurance Co., 33, 43, 54
    • Rutger Fire Insurance Co., 34
    • Safeco Insurance Co., 58, 59
    • Safeco Insurance Co. of America, 88
    • St. Paul Fire & Marine Insurance Co., 33, 34, 57, 90
    • Salvage principles, 8, 15, 16, 58, 88, 89, 134
    • Salvor, 134
    • Scottish Union National Insurance Co., 57
    • Security Insurance Co., 33
    • Security Insurance Co. of Hartford, 91
    • Security Fire Insurance Co., 12
    • Security Mutual Underwriters, 33
    • Sentinel Fire Insurance Co., 43
    • Sentry Indemnity, 88
    • Sentry Indemnity Co., 63
    • Sentry Insurance Co., 43, 48, 62
    • Settlement, 8, 43, 85, 134
      • oral, 50
    • Sewage, 79
    • Sim Fire Office, 60
    • Snow damage, 83
    • Southern Trust Insurance Co., 36
    • Southern Fidelity Insurance Co., 87
    • South-Eastern Underwriters Assn. 100
    • Special agent, 9
    • Special relationship, 90
    • Standard National Insurance Co., 13
    • Standard of value, 11
    • Standard policy wording, 35
      • 165 lines, 34, 35
    • State Farm Fire & Cas. Co., 34, 37, 42, 44-46, 52, 59, 62, 63, 65, 66, 78, 82, 89
    • State Farm Mut. Auto Insurance Co., 86
    • State Farm Mut. Insurance Co., 81, 82
    • State Mut. Rodded Fire Insurance Co. of Mich., 66
    • Statement of Loss, 20, 134
    • Statesman Insurance Co., 42, 59
    • Stein-McMurray Insurance, Inc., 78
    • Stock insurance co., 135
    • Stuyvesant Insurance Co. of New York, 12
    • Subrogation, 47, 48, 60, 69, 135
      • agreement, 62
      • company right to, 60, 62
      • equity of, 60, 64
      • failure, 61-63
      • forfeiture of, 63, 63
      • held in trust, 63
      • limitation, 47, 61
      • without wrongdoer, 63
    • Svea Mutual Insurance Co., 70
    • Tenant's betterments and improvements, 135
    • Tennessee Farmers Mut. Insurance Co., 41, 79
    • The meaning of lines 1-165, 34
    • Theft, 38, 39, 81, 82, 87, 88
    • Third party insurance, 118
    • Time limits, 7, 54
      • failure to meet, 59
      • for insurance co., 53, 58
      • for vacant building coverage, 7,
      • to file proof of loss, 7
      • to select appraiser, 7, 52, 53
      • to sue, 7, 42, 52, 58-60
      • to select umpire, 52, 53
    • Transamerica Co., 64, 88
    • Travelers Companies, 34, 52, 71, 72, 75, 77
    • Travelers Indemnity Co., 36
    • Travelers Indemnity Co. of IL., 42, 59
    • Travelers Insurance Co., 82
    • Trinity Universal, 67
    • Twin City Fire Insurance Co., 43
    • Umpire, 24, 135
      • appointment, 56
      • authority of, 52
      • disqualification, 53
      • selection of, 52, 53, 56
      • qualification, 53
    • Underwriters at Lloyds' London, 41, 48, 85
    • Unfair Claims Settlement Provisions (states'), 105
    • Unfair Practices Act, 93
    • Unfair Trade Practices Act, 91
    • Unigard Insurance Group, 79
    • Uninsurable & Excepted Property, 38
    • United Security Insurance Co., 79
    • United Services Auto. Ass'n., 81
    • United States American Universal Insurance Co., 63
    • United States Fidelity & Guaranty Co., 38, 46, 84
    • United States Fire Insurance Co., 56
    • United States Insurance Co. of North America, 83
    • United States Safeco Insurance Co., 83
    • Usual & incidental, 78, 135
    • Vacancy, unoccupancy, 39-41, 43, 135
    • Value policy, 15, 48
    • Vandalism, 83
    • Vexatious penalty, 60, 69, 135
    • Waiver, 41, 42, 135
      • after loss, 42
      • for not providing copy of policy, 44, 84
      • for proof of loss requirement, 42, 43, 52
      • for replacement cost time limit, 42
      • nonwaiver, 68
      • of appraisal, 43, 93
      • of insurance company rights, 43
      • of policy provision, 44
      • of right to void policy, 43
      • of time limit to sue, 42, 44, 59
      • written, 8, 42
    • Washington City Farmers Mut., 78
    • Washtenaw Mut. Fire Insurance Co., 61
    • Westchester Fire Insurance Co., 44, 78
    • Western Assur. Co., 55, 56
    • Western Underwriters' Assn., 43
    • Williamsburg City Fire Insurance Co., 56
    • Wolverine Insurance Co., 68
    • Written communications, 112
    • York Insurance Co., 47
    • York Mutual Insurance Co., 14


    • [Click Image to ZOOM]

    Policy Ensurance

    Compiled By Antone P. Braga

    ISBN 0-939206-02-1



    See the legal page.

    See the Preface.

    See the Introduction.

    Topics covered include: Your Authority & Adjusters' Authority, The Standard of Value, Depreciation, The Rules on Personal Property, The Provisions Limiting Insurance Company's Liability, Coinsurance, Salvage Principles, Standard Policy Wording, The Acts Which Void the Policy, The Conditions Suspending Coverage, What You Must Do In Case of Loss, many Sample Forms and Letters, References to Cases and Regulations, and much, much more.

    "It is time that someone publishes a book of this nature. As Regulators, we are aware that most policyholders are not aware...We wish you all the success...Your intent and foresight is commended."
    –STATE OF HAWAII DEPARTMENT OF INSURANCE, USA

    "...We have reviewed the material on your web site and wish to thank you for your efforts to give citizens the information they need...Again, thank you for your public service..."
    –OFFICE OF PUBLIC HEALTH PREPAREDNESS
    STATE OF MICHIGAN DEPARTMENT OF COMMUNITY HEALTH, USA

    "Thank you...regarding your vital information on Preparedness...In particular...useful information for people to have in terms of property insurance and business recovery issues...a good reminder of ways of helping prevent stress by Preparedness. Good luck with your book."
    –DISASTER MENTAL HEALTH
    AMERICAN RED CROSS
    NATIONAL HEADQUARTERS, USA

    eBook Copy


    [Click Image to ZOOM]
    Hard Copy

    © 1991-2010 Antone P. Braga