It has been a pretty standard tale coming from Somerset County, that FEMA officials are telling people If they didn't have flood insurance they could get no help. This issue of what flood insurance does and does not cover is an area I think Somerset County and insurers need to clarify for future reference.
Source: http://www.lowereasternshorenews.com/2013/01/no-flood-insurance-no-fema-help.html
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