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PAGE 14 - PLA1NDEALER - WEDNESDAY, MAY 29,1974 Flood Insurance Program Undergoes Major Change Portions of the Midwest, particularly those states along the Great Lakes, are receiving an unusual amount of rain this spring, according' to the ' National Weather Services, and the prospect of flooding has inherently increased. In northern Illinois and Indiana and parts of Wisconsin, some communities are experiencing record May rainfalls, which should serve as ample reminder that now is the time to review recent major changes in the National Flood Insurance program. In the Dakotas, it was only two years ago that several days of heavy rain turned Rapid City, S.D., into a miniature Mississippi river, causing a horrible cost in humban life and massive property loss. About 700 homes, 130 business firms and 500 mobile homes were destroyed by the devastating flood. Another 800 mobile homes, 1,700 homes and 60 farm buildings were damaged. The total loss was estimated at $100 million, only $166,451 of which was covered by flood insurance. Another $13.8 million was covered by other forms of insurance. After the rains had gone from the Black Hills area, it was learned that only twenty-seven homes and two businesses had flood insurance, despite the community's eligibility for low cost flood insurance available through the joint program of the federal government and private insurance business. The subsidized program-the National Flood Insurance program-failed to catch on in Rapid City before the flood disaster. Since then, hundreds have signed up for .the insurance. Country-wide figures show that nearly 316,000 flood insurance policies providing more than $5.5 billion in coverage were in force as of Jan. 31 of this year. This contrasts with the statistics of November, 1970, when only 42,900 policies providing $673 million in coverage were in force. From April 1 through Dec. 31, 1973, 12,690 flood insurance losses totaling more that $48 million were paid through the flood insurance program. To encourage others, the limit of coverage available to homeowners and businessmen in flood prone communities has been substantially increased by the Flood Disaster Protection act, signed by President Nixon Dec. 31, 1973. The Act greatly strengthens May's Liquor Department Values •• tm Bankers Whiskey IMPERIAL *"Glenmore "tO : Vodka >80 PROOF - ONE OF . THE BEST ^ I l n 2 l 9 9 WB&m mmm Paul Masson Vermouth 21% ALCOHOL - A GREAT VERMOUTH FROM CALIFORNIA 1 . 2 9 Glenmore Gin 80 PROOF - DISTILLED LONDON DRY P* • Millers Beer 12 PACK 12 OZ. 80 PROOF - 4 YEAR OLD STRAIGHT BOURBON imperial Whiskey 86 PROOF - A REAL SMOOTH BLEND 86 PROOF - IMPORTED 100% SCOTCH WHISKEY Grand Macnish Scotch fifth 4.3? 80 PROOF - A GREAT CANADIAN IMPORT Windsor Canadian fifth 3.99 80 PROOF - THE BRANDY OF CHARACTER J. Bonet Brandv fifth 4.39 80 PROOF - IMPORTED FROM MEXICO Montezuma Teauila fifth 3.79 86 PROOF - THE SOFT BLENDED AMERICAN WHISKEY Calvert Whiskey fifth 3.99 We Reserve The Right To Limit Quantities A •ay D R U G 4400 WEST ROUTE 120 Our Price Protection Policy guarantees these prices to be effective Thursday May 30th through Wednesday June 5th. 1974. regardless of increases Consumer Forum the National Flood Insurance program in these ways: -provides for at least a 100 per cent increase in the amount of insurance coverage available to homeowners and businessmen in flood prone areas that qualify for the program. -requires that the U.S. Department of Housing and Urban Development (HUD) identify flood prone areas and in turn requires communities in these areas to participate in the flood insurance program and to adopt and enforce adequate flood ordinances that will utlimately eliminate or substantially reduce the amount of flood damage that occurs in the U.S. annually, -requires purchase of flood insurance, where available, as a condition for any federal assistance program or loan by any federally regulated or insured lending institution. Under the Act, coverage may be purchased in amounts up to $35,000 for a single family structure and $100,000 for two to four-family structures and small business properties. Previously these maximum amounts were $17,500 and $30,000, respectively. The maximum coverage for contents in non-residential buildings has been increased from $5,000 to $100,000, while the limit of coverage for Mail 1.1 Million Second Division Vehicle Renewals Michael J. Howlett, Secretary of State, has announced that 1.1 million pre­ printed renewal applications have been mailed to owners of second division vehicles for 1974-75 registrations. Howlett said that 900,000 renewal applications, pre­ printed by computer for the convenience of Illinois motorists, were mailed to second division vehicle owners last year. "This is the first year that pre-prints are required for second division vehicles licensed on a fiscal year basis," said Howlett. "Use of pre­ prints first became mandatory tor 1974 calendar year registrations." Howlett emphasized that current 1973-75 second division plates expire June 30. Second division vehicles include trucks, trailers, i>oat trailers, farm trucks and trailers and recreational vehicles. by Illinois Attorney General William J. Scott May is "CFS" month: That's "cleanup, fixup, spruceup" for homeowners - and "con-up, fraud-up, scheme- up" for disreputable home repair and improvement reacketeers. Winter CAN do damage to the outside of a home. (Even though this winter we in Illinois were fortunate to have mild weather.) Your spouting may need repair, your house trim - or house itself - may need paint, your chimney may need cleaning and repair, your roof contents in residential buildings has doubled to $10,000. More information may be obtained by writing either the F e d e r a l I n s u r a n c e A d m i n i s t r a t i o n , U . S . Department of Housing and U r b a n D e v e l o p m e n t , Washington, Dc. 20410, or the state agency designated to coordinate the National Flood Insurance program. may leak, your pavements and steps may need work, siding could be necessary, termites may have invaded your woodwork...the list goes on and on. Victims of home repair fraud' schemes have lost thousands of dollars mi jobs that would have cost hundreds or less in many cases, just because they were uninformed, unsuspecting, or un cautious. My office will help victims of fraudulent home repairmen recover their money when we're able. But the best medicine is prevention. And the best advice I can give is to deal only with local, reputable home repair contractors who have established business addresses and telephones. Time and again we talked with home repair victims who have dealt • with fly-by-night workmen offering quick repairs using "leftover" materials allegedly sold to them at great savings. If you deal with such repairmen, you're leaving yourself wide open for trouble. If a home repairman tells you he'll fix your home, then use it as a "model," giving you a "commission," or "discount" or "rebate" for each home repair sale he makes as a result, you should know right then that he's a con artist Such referral selling is illegal in Illinois. You also should beware of free home inspections. If you know and trust the workman, fine. But otherwise the piece of damaged drainpipe, the chips of roofing, the container of termites allegedly taken from your home may simply be "props" the fraudulent repairman uses on all unsuspecting victims. Also, don't be misled by a person who represents himself as a building inspector. Insist on seeing his credentials. And be cautious of "bait" home repair sales pitches. A whole house painted for an amazingly small price could, once you discuss details, not include hidden "extras" or "special" paints that are "better for your home"...leading to an inflated final bill three or four times that of the originally quoted price. It's the same old "bait .and switch" to which thousands of people fall victim each day. If you follow this advice, you can help protect yourself against the fraudulent home repairman: 1. Deal only with an established home repair contractor with a business address and telephone in your community. 2. Ask friends and neighbors to recommend a home repair contractor with whom they have been pleased. 3. Beware of "free home inspections" unless you know the contractors reputation. 4. Don't fall prey to the "model home" gimmick or the "leftover materials" gimmick. 5. Get written estimates from several firms, where possible. 6. Don't sign a contract requiring a large downpayment. 7. Be wary of any firm that requires cash in advance. 8. Check the extent of coverage, limitations, length, and any other restrictions on any warranty coverage. 9. Have your contract in writing, including both start and completion dates, and a complete description of the exact work to be done. Don't accept any oral promises. Get everything in writing. 10. Don't sign a completion certificate until the work has HOW CAN I ? Q. How can I anchor small throw rugs that persist in slipping and sliding all over the (dace? A. One often effective way of immobilizing these rugs is imply to shellace their undersides. Q. How can I remove tea stains from chinaware? A. Salt and vinegar usually does the trick. Q. How can I make a good thickening for soup? A. One way is with tapioca. Boil the tapioca until clear, then strain the liquid into your soup. Q. How can I make my own copper polish? A. A jar of paste made by blending flour, salt and vinegar can be kept in the cabinet near your soap and cleanser. Rub this on the copper pans after washing. Then rinse and dry with a soft cloth or paper toweling. been completed to your satisfaction. 11. Be sure all waivers of lien from any subcontractors have been secured. Q. How can I remove rain spots from suede articles? A. Rub gently with an emery board, the kind used for manicuring. Q. How can I remove grease spots from woolens and silks? A. Rub a little talcum powder over the spot, allow to stand for a day or so, then brush it off with a stiff brush. Q. How can I treat my nylons to help prevent runs and add elasticity to them? ' A. Try adding a tablespoon of vinegar to the rinse water when washing these items. Q. How can I tighten up the seats of cane furniture that have become loose? A. Go over the seats with a cloth soaked in hot water. Then set the chairs in the sun to dry. This usually shrinks the cane. Q. How can I remove crayon marks from vinyl tile flooring? A. You can do this With silver polish. Q. How can I clean very old brass or copper that is very much discolored? A. By using the finest gradft- . of steel wool, followed with rubbing with rottenstone and sweet oil. Money seems to be about the only thing handier than a credit card. Deputy HAPPY PAY . . . t h e y s t a r t t o m o r r o w a t M c N e i l s / M r . D o n u t HflPpV OBV THUBSOBY MBY 30 ...with the purchase of a McNeil '/i-pounder or McNeil V*-pounder with cheesei HBPP* oby PB»OBY MBY3t . . . en joy a f ree Mr .Donut donut with the purchase of a McNeils Big Mack hbpp* OBY sbtuboby JUH61 FREE ̂ SOFT DRINK . . . ge ta f ree la rge sof t d r ink o f your choice with every $1.00 purchase hbppy OBY SUNOBY JUNE 2 FRMILY CHICKEN DRY . . . 25% of f a l l ch icken orders a t McNeils / Mister Donuts • save up to *2.10 mcneils 5^5 Donut fried chicken NEXT TO THE HORNSBY FAMILY CENTERS RT. 47 & COUNTRY CLUB ROAD / WOODSTOCK IN THE McHENRY MARKET PLACE / McHENRY i 4 f