I recently attended a fundraiser cocktail party for my youngest child’s school. Ordinarily in these situations, once I reveal that I work in insurance, the conversation immediately shifts to sports or the cheese plate. That evening, however, thanks to media coverage of the predictions for the Atlantic hurricane season--and the fact that our non-coastal Connecticut town was hit hard during the last few seasons--I was more popular than the bartender.

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Floods can be devastating, causing those affected to lose their home, heir property, their pets, and even their lives. Floods and flash floods are among the most common types of natural disasters, so preparedness must be considered a priority for responsible managers and business owners.

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Uncle Sam is essentially broke. Washington has run $5 trillion in deficits over the last five years. It has unfunded liabilities of over $200 trillion.

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House GOP leaders last week put the final touches on legislation that would significantly water down a recently enacted overhaul of the much criticized federal flood insurance program, easing many premium increases and allowing below-market rates to be passed on to people buying homes with taxpayer-subsidized policies.

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