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The Minnesota Department of Commerce urges consumers to review flood insurance needs


Wed, Mar 6th, 2013
Posted in All State of Minnesota

SAINT PAUL, MN — As winter conditions turn to spring melting, the Minnesota Department of Commerce is reminding Minnesota homeowners to determine if they may need flood insurance coverage. Flood damage is not covered under a standard homeowner's policy.



"Homeowners should closely monitor spring flood forecasts as Minnesota emerges from last fall’s moderate to severe drought, to protect themselves from flooding’s potential dangers and risks of property damage,” said Commerce Commissioner Mike Rothman. “We want to make sure that Minnesotans know that there is a limited time to review updated flood maps to assess whether to purchase flood insurance. Homeowners should act quickly – flood insurance takes 30 days to go into effect.”



The Commerce Department provides information for consumers who are considering flood insurance to safeguard their homes:



· The standard homeowners' insurance policy does NOT cover flood damage. Flood insurance is a special policy that is backed by the National Flood Insurance Program (NFIP). Check with your insurance company to see if they offer coverage.



· Check with area floodplain maps to figure out if your property falls on a 100-year floodplain, a 500-year floodplain or neither.



· However you do not have to be in a floodplain to purchase flood insurance.



· Anyone can buy flood insurance as long as their community participates in the National Flood Insurance Program.



· Flood insurance becomes effective 30 days after it is purchased. It is never a good idea to wait to purchase insurance until you absolutely need it. The rule of thumb in situations such as flooding is it is better to be safe than sorry. There are recent examples of property flooding on the 29th day after purchasing insurance.



· Floodplains are not the only areas at risk for flooding. Twenty to 25 percent of all Minnesota flood claims come from outside areas designated as high risk.



· In the majority of floods, uninsured victims may have to use their own resources to rebuild or recover. Until the President declares a flood a disaster, disaster assistance is unavailable. Less than 50 percent of all floods are declared disasters. Disaster assistance is typically offered in .....
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MINNESOTA STATE ARTS BOARD AWARDS ARTS AND CULTURAL HERITAGE FUND GRANTS SUPPORTING ARTS TOURS THROUGHOUT MINNESOTA

Wed, Mar 6th, 2013
Posted in All State of Minnesota

Saint Paul, MN -The Minnesota State Arts Board today awarded 34 grants to Minnesota artists and organizations through the FY 2013 Arts Tour Minnesota program. These Arts Board grants, totalling $1,584,492, support Minnesota touring artists and arts o ..... 
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Executive Council approves new mining lease on Mesabi Range

Wed, Mar 6th, 2013
Posted in All State of Minnesota

An iron ore mining lease near Coleraine, Minn., that could bring between $50 million and $220 million to the state’s Permanent School Trust Fund during the life of the mine was unanimously approved today by Minnesota Executive Council. The leasi ..... 
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Klobuchar Statement on FCC Backing Effort to Unlock Cell Phones

Tue, Mar 5th, 2013
Posted in All State of Minnesota

WASHINGTON, D.C. – U.S. Senator Amy Klobuchar today made the following statement after the Federal Communications Commission (FCC) Chairman Julius Genachowski and the White House announced that they would back efforts to unlock cell phones, allowin ..... 
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Minnesota Department of Commerce Celebrates 15th Annual National Consumer Protection Week

Tue, Mar 5th, 2013
Posted in All State of Minnesota

SAINT PAUL, MN – The Minnesota Department of Commerce is joining state agencies across the country, the US Department of Housing and Urban Development (HUD), the IRS, the FBI, advocacy organizations like the Better Business Bureau, and private sect ..... 
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State to phase out use of harmful chemical

Tue, Mar 5th, 2013
Posted in All State of Minnesota

St. Paul, Minn. -- All state agencies will eliminate purchasing of hand soaps and dish and laundry cleaning products that contain triclosan by June of this year. Through Executive Order by Minnesota Governor Mark Dayton, state agencies are required t ..... 
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State's Largest Annual Food Drive is Underway

Tue, Mar 5th, 2013
Posted in All State of Minnesota

ST. PAUL, Minn. - With need at food shelves at record levels in Minnesota, the largest annual food drive in the state is now underway. Minnesota FoodShare said the March Campaign this year is focused on "everyday heroes," people who are getting invol ..... 
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Minnesota law changes affect 2012 taxes for some individuals

Wed, Feb 20th, 2013
Posted in All State of Minnesota

ST. PAUL, Minn. – Minnesota has adopted most federal tax changes enacted by Congress for the 2012 tax year under a new law signed by Gov. Mark Dayton. The changes will provide $18.5 million in tax benefits to Minnesotans. Conforming to federal ta ..... 
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Consumer access to health care would be expanded in new nursing legislation

Wed, Feb 20th, 2013
Posted in All State of Minnesota

ST. PAUL (Feb. 20, 2013) — Newly introduced legislation would expand consumer access to advanced practice nurses to meet the growing needs of 21st century health care and the Affordable Care Act, according to the president of Minnesota’s Advanced ..... 
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