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Flooding resulting from Hurricane Katrina. Nationwide, only 20 percent of American homes at risk for floods are covered by flood insurance. [2] Most private insurers do not insure against the peril of flood due to the prevalence of adverse selection, which is the purchase of insurance by persons most affected by the specific peril of flood.
An 18th-century fire insurance contract. Property insurance can be traced to the Great Fire of London, which in 1666 devoured more than 13,000 houses.The devastating effects of the fire converted the development of insurance "from a matter of convenience into one of urgency, a change of opinion reflected in Sir Christopher Wren's inclusion of a site for 'the Insurance Office' in his new plan ...
Water damage describes various possible losses caused by water intruding where it will enable attack of a material or system by destructive processes such as rotting of wood, mold growth, bacteria growth, rusting of steel, swelling of composite woods, de-laminating of materials such as plywood, short-circuiting of electrical devices, etc.
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During the 1990s, the Texas Legislature moved to make natural-resource protection more efficient by consolidating programs. In 1991, it combined the Texas Water Commission and the Texas Air Control Board to create the first version of the TCEQ, known as the Texas Natural Resource Conservation Commission until fall 1993. [3]
“For as long as Texas has been Texas, it has recognized that property rights are crucial to a free society," Paxton said. "Under the U.S. Constitution, such claims should be pursued under state ...
The Water Quality Act of 1987 extended NPDES permit coverage to industrial stormwater dischargers and municipal separate storm sewer systems. [143] In 2016, there were 6,700 major point source NPDES permits in place and 109,000 municipal and industrial point sources with general or individual permits.
Water levels in wells across Texas are running low because of the extreme drought, groundwater experts say. Drought conditions in the state are getting worse by the week.
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