PROTECT YOURSELF! Do You Carry Flood Insurance? As 2022 draws to a close and we look back on the year, it's obvious that hurricane season got a little scary for Floridians this year. Some places took direct hits, others endured significant amounts of rain, and some thanked their lucky stars that they weren’t victims of any major storms this year. Thankfully, we can all take a big sigh of relief because hurricane season ends on Nov. 30, but now is the time to take a look at which types of weather-related damage your homeowners insurance covers and excludes, especially flood insurance, to prepare for 2023! Did you know that homeowners insurance does not cover flood damage? This means that it must be purchased separately — in fact, if the Federal Emergency Management Agency’s (FEMA) maps show that your home is within a 100-year flood plain, you are required to obtain flood insurance before being approved for a mortgage. On the other hand, if you’re outside of a high-risk zone or if your mortgage is paid off, flood insurance is optional.
ALL THIS FOR A TRUCKLE OF CHEESE? What Is Cheese Rolling? During the spring, the southwest part of England hosts one of the strangest sports each year — cheese rolling. People worldwide travel to watch and participate as contestants launch themselves down a hill in pursuit of a round of cheese. But how did this sport come to be? It’s kind of a mystery. No one really knows the origins of cheese rolling. For as long as the locals can remember, the sport has always been there. Several theories attempt to explain how the sport came about. One theory states that the competition started in the 15th century, and racing down the hill was a way to establish grazing rights on the commons. Others say the game has a pagan origin, where people Competitors begin the race at the top of Cooper’s Hill in Brockworth, Gloucester, which slopes downward at an almost 90-degree angle. Then, when the master of ceremonies tells you to go, you launch yourself down the mountain. The first person to grab the 8-pound wheel of double cream Gloucester (which has never been done before) or cross the finish line at the bottom (about 200 yards) will win the race and the cheese. You don’t need to meet any criteria or fill out any paperwork to participate. Simply arrive at the top of the hill before the race begins, and you’re all set. But participating is at your own risk: Many people suffer severe injuries because you’re going down the hill at speeds reaching 70 mph. The sport has gained many fans over the years — around 15,000 attendees come to view the spectacle annually. The media attention further spreads the interest and popularity of cheese rolling. Many YouTube channels cover the sport, and a Netflix show titled “We Are the Champions” has an episode covering the sport and how competitors train. Can you believe all of this excitement and fame over a truckle of cheese? would throw bundles of brushwood down the hill to represent the new year once winter ends. Although its roots are unknown, locals have kept score since the 1970s and watched it gain in popularity over the years. What are the rules?
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