Cook: Let’s talk ‘substantial damage’

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David Key looks at the back yard of his flooded home in Prairieville, La., Tuesday, Aug. 16, 2016. Key, an insurance adjuster, fled his home as the flood water was rising with his wife and three children and returned today to assess the damage. (AP Photo/Max Becherer)
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(Photo by The Associated Press) Tom Cook The main fear for homeowners whose homes flooded in August is “substantial damage.” If the Federal Emergency Management Agency decides your home was…

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