Common High Risk Home Insurance TermsClaimA request made by the insured to the insurance company for payment of a loss covered by the policy. Other Insurance Industry TermsFlood InsuranceHigh-Risk Homeowners InsuranceLoss of UseExclusionUnderwritingFAIR Plan (Fair Access to Insurance Requirements)PremiumActual Cash ValueLiability CoverageDeductibleReplacement CostWindstorm Insurance