Summarize the following:
If your claim is approved, you will receive some form of compensation for lost and damaged items, as well as any property damage. However, the time table for this will vary, depending on your insurance company, your specific policy, and whether or not your claim is found to be payable. Your claim will only be deemed payable once:  you and your insurer agree on the extent of damage and the cost of repairs/replacement you have completed and submitted an accurate, signed proof of loss form any supporting documentation has been submitted with your claim If both your home and the contents of your dwelling are damaged, you may receive two separate checks from your insurer. One will be made out to you for the home damage, or to you and your mortgage lender (if your home is mortgaged). Another check will be sent solely to you to compensate you for the items lost or damaged inside your home. Many mortgage policies require you to name the mortgage lender in your homeowner's policy and stipulate that they receive a portion of any structural damage insurance settlements. Some insurance policies are classified as replacement cost policies. This means that any personal possessions that are damaged must be replaced by you out of pocket before your insurance company will reimburse you.  If you do not want to replace certain items that were damaged/destroyed, your insurance company will pay you those items' cash value instead. You will typically have several months (depending on your policy) to replace your items and collect the full replacement cost after receiving your initial cash value payment. Some repair and construction companies may ask you to sign a "direction to pay" form, which takes you out as the middle man and has your insurance company pay the money directly to that repair company. This is not necessarily a bad thing, as it simplifies the repayment process. Direction to pay arrangements are not dictated by your insurance company. It may be requested by a construction company, and it is up to you to either go with that company or find another one if you do not want direction to pay. Once repairs are underway (or even completed), you may later find additional damage that was caused by the flooding. This may be structural property damage or personal property. If you want to get compensation for these additional damages, you'll need to file a request for an Additional Flood Payment with your insurer.  You will need to repeat the entire claims process, but only for the damage you recently discovered. Your request must be made within the standard 60 day limit, unless you've been granted any time extensions by FEMA. Notify your adjuster or insurance agent immediately upon discovering any additional damage. Document the newly-discovered damage as you did previously. Your adjuster may need to visit your home to assess the most recently-discovered damage and verify your losses.

summary: Know when you'll receive payment. Receive compensation for home and property. Accept compensation with a replacement cost policy. Get a "direction to pay" arrangement. Request additional payments.


Summarize the following:
If more than one seedling sprouts in the same pot, then snip the weakest seedlings with scissors. This will make room for the healthiest seedling. You can also transplant all of the seedlings into separate containers, but keep in mind that this is riskier. Once your plant reaches maturity, transplant it to a larger pot whenever the roots come out the drainage hole or press against the sides of the container. The soil should remain moist at all times, but never soggy. If the sensitive plant is in a dry room, mist it with water occasionally, or place it on a humidity tray. Sensitive plants are an invasive weed in many areas. Unless you are in one of their native habitats in tropical America, you may want to grow sensitive plants indoors. Gardeners worldwide report the plant taking over their lawns. In Australia, you are legally required to minimize the spread of mimosa pudica seeds off your property. Dilute a balanced fertilizer to half the strength recommended on the label. Apply to the soil once a week during the growing season, and once a month during winter. Since it is a tropical plant, Mimosa pudica will grow best if nighttime temperatures are 70ºF (21ºC) or higher. If temperatures fall below 65ºF (18ºC), move the plant to a warmer room or keep the plant warm in other ways. Adult plants can survive temperatures as low as 40ºF (4.5 °C), but are at risk of damage or death. Keep an eye out for yellow leaves and stems, which are signs of possible cold damage. It's normal for the stem to fall over and creep along the ground once the plant matures. Provide a trellis or sturdy plant to support it, or allow enough horizontal space for it to grow. Some sensitive plants grow more than 1 meter (3 ft) high or 2 meters (6.6 ft) horizontally, but in temperate zones they will more likely reach half this size. Mimosa pudica can survive for at least two years in tropical climates, but are usually annual plants in temperate zones. Even if your plant survives after its first bloom (usually in summer), you may have better results letting it die and collecting its seeds for next spring. To collect seeds, let the pods dry on the plant, then break them open and collect the seeds. The sensitive plant is not particularly prone to disease, but it may become infested with some common pests, such as red spider mites, mealy bugs, and thrips. These can be removed by spraying the plant with a direct stream of water or neem oil every few days. Avoid using insecticidal soaps, as these can turn the leaves of the plant black.
summary: Transplant to other pots when necessary. Keep the soil moist. Keep the plant indoors (recommended). Fertilize regularly. Protect against cold. Provide space for the plant to grow. Watch its lifespan. Prevent disease.