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background-color: rgba(0,0,0,0) !important; } .sports-theme-color, .hgpm-list-text .sports-theme-color .theme-bg-ssts-label, .hgpm-list-text .hgpm-section > .sports-theme-color, .blog-asset-double-wide.sports-theme-color .presto-h1, .blog-asset-double-wide.sports-theme-color .presto-h2, .blog-asset-double-wide.sports-theme-color .presto-h3, .blog-asset-double-wide.sports-theme-color .presto-h4, .blog-asset-double-wide.sports-theme-color .presto-h5, .blog-asset-double-wide.sports-theme-color .presto-h6, .sports-theme-color > .shbfm-subnav-link:hover, .sports-theme-color > .shbfm-subnav-link.is-selected, .sports-theme-color .inline-share-count-blog { color: rgb(158, 29, 10); } .blog-asset-double-wide.sports-theme-color blockquote { border-color: rgb(158, 29, 10); } .footer > nav > .fronts > section.sports h6 { border-color: rgb(158, 29, 10) !important; } .site-nav-span-theme-usatoday.site-nav-life-span.site-nav-text-span.site-nav-active-span { background-color: transparent !important; color: rgb(116, 23, 132) !important; } .site-nav-span-theme-usatoday.site-nav-life-span.site-nav-text-span.site-nav-active-span:hover { background-color: transparent !important; } .site-nav-life-span.usatoday-theme-bg-hover.site-nav-dark.site-nav-text-span:hover, .site-nav-active-item .site-nav-life-span.usatoday-theme-bg-hover.site-nav-dark.site-nav-text-span { background-color: transparent !important; color: rgb(116, 23, 132) !important; } .site-nav-life-item .site-nav-theme-border.usatoday-theme-bg { background: rgb(116, 23, 132) !important; } .site-nav-theme-border.firefly-theme-bg.usatoday-theme-bg, .site-nav-theme-border.social-theme-bg.usatoday-theme-bg, .site-nav-theme-border.search-theme-bg.usatoday-theme-bg, .site-nav-theme-border { background-color: rgb(210, 210, 210); } .site-nav-active-item .site-nav-theme-border.social-theme-bg.usatoday-theme-bg, .site-nav-active-item .site-nav-theme-border.search-theme-bg.usatoday-theme-bg, .site-nav-active-item .site-nav-theme-border.firefly-theme-bg.usatoday-theme-bg { background-color: rgb(238,238,238); } .life-theme-bg-hover.site-nav-text-span:hover { color: rgb(116, 23, 132) !important; } .life-theme-bg, .life-theme-bg-hover:hover, .site-nav-span.site-nav-life-span.site-nav-active-span, .noimage .headline-asset-item-tile.headline-asset-item-life-tile, .parent-label.life { background-color: rgb(116, 23, 132) !important; } .card-suspender-color.life { background: rgb(116, 23, 132) !important; } .headline-asset-item-tile.headline-asset-item-life-tile { background-color: rgb(116, 23, 132); background-color: rgba(0,0,0,0.5); } .listview .noimage .headline-asset-item-tile.headline-asset-item-life-tile, .listview .headline-asset-item-tile.headline-asset-item-life-tile, .listview .hgpm-link.life-theme-bg-hover, .listview .hgpm-link.life-theme-border-hover:hover { background-color: transparent !important; background-color: rgba(0,0,0,0) !important; } .life-theme-color, .hgpm-list-text .life-theme-color .theme-bg-ssts-label, .hgpm-list-text .hgpm-section > .life-theme-color, .blog-asset-double-wide.life-theme-color .presto-h1, .blog-asset-double-wide.life-theme-color .presto-h2, .blog-asset-double-wide.life-theme-color .presto-h3, .blog-asset-double-wide.life-theme-color .presto-h4, .blog-asset-double-wide.life-theme-color .presto-h5, .blog-asset-double-wide.life-theme-color .presto-h6, .life-theme-color > .shbfm-subnav-link:hover, .life-theme-color > .shbfm-subnav-link.is-selected, .life-theme-color .inline-share-count-blog { color: rgb(116, 23, 132); } .blog-asset-double-wide.life-theme-color blockquote { border-color: rgb(116, 23, 132); } .footer > nav > .fronts > section.life h6 { border-color: rgb(116, 23, 132) !important; } .site-nav-span-theme-usatoday.site-nav-money-span.site-nav-text-span.site-nav-active-span { background-color: transparent !important; color: rgb(19, 127, 57) !important; } .site-nav-span-theme-usatoday.site-nav-money-span.site-nav-text-span.site-nav-active-span:hover { background-color: transparent !important; } .site-nav-money-span.usatoday-theme-bg-hover.site-nav-dark.site-nav-text-span:hover, .site-nav-active-item .site-nav-money-span.usatoday-theme-bg-hover.site-nav-dark.site-nav-text-span { background-color: transparent !important; color: rgb(19, 127, 57) !important; } .site-nav-money-item .site-nav-theme-border.usatoday-theme-bg { background: rgb(19, 127, 57) !important; } .site-nav-theme-border.firefly-theme-bg.usatoday-theme-bg, .site-nav-theme-border.social-theme-bg.usatoday-theme-bg, .site-nav-theme-border.search-theme-bg.usatoday-theme-bg, .site-nav-theme-border { background-color: rgb(210, 210, 210); } .site-nav-active-item .site-nav-theme-border.social-theme-bg.usatoday-theme-bg, .site-nav-active-item .site-nav-theme-border.search-theme-bg.usatoday-theme-bg, .site-nav-active-item .site-nav-theme-border.firefly-theme-bg.usatoday-theme-bg { background-color: rgb(238,238,238); } .money-theme-bg-hover.site-nav-text-span:hover { color: rgb(19, 127, 57) !important; } .money-theme-bg, .money-theme-bg-hover:hover, .site-nav-span.site-nav-money-span.site-nav-active-span, .noimage .headline-asset-item-tile.headline-asset-item-money-tile, .parent-label.money { background-color: rgb(19, 127, 57) !important; } .card-suspender-color.money { background: rgb(19, 127, 57) !important; } .headline-asset-item-tile.headline-asset-item-money-tile { background-color: rgb(19, 127, 57); background-color: rgba(0,0,0,0.5); } .listview .noimage .headline-asset-item-tile.headline-asset-item-money-tile, .listview .headline-asset-item-tile.headline-asset-item-money-tile, .listview .hgpm-link.money-theme-bg-hover, .listview .hgpm-link.money-theme-border-hover:hover { background-color: transparent !important; background-color: rgba(0,0,0,0) !important; } .money-theme-color, .hgpm-list-text .money-theme-color .theme-bg-ssts-label, .hgpm-list-text .hgpm-section > .money-theme-color, .blog-asset-double-wide.money-theme-color .presto-h1, .blog-asset-double-wide.money-theme-color .presto-h2, .blog-asset-double-wide.money-theme-color .presto-h3, .blog-asset-double-wide.money-theme-color .presto-h4, .blog-asset-double-wide.money-theme-color .presto-h5, .blog-asset-double-wide.money-theme-color .presto-h6, .money-theme-color > .shbfm-subnav-link:hover, .money-theme-color > .shbfm-subnav-link.is-selected, .money-theme-color .inline-share-count-blog { color: rgb(19, 127, 57); } .blog-asset-double-wide.money-theme-color blockquote { border-color: rgb(19, 127, 57); } .footer > nav > .fronts > section.money h6 { border-color: rgb(19, 127, 57) !important; } .site-nav-span-theme-usatoday.site-nav-tech-span.site-nav-text-span.site-nav-active-span { background-color: transparent !important; color: rgb(193, 87, 9) !important; } .site-nav-span-theme-usatoday.site-nav-tech-span.site-nav-text-span.site-nav-active-span:hover { background-color: transparent !important; } .site-nav-tech-span.usatoday-theme-bg-hover.site-nav-dark.site-nav-text-span:hover, .site-nav-active-item .site-nav-tech-span.usatoday-theme-bg-hover.site-nav-dark.site-nav-text-span { background-color: transparent !important; color: rgb(193, 87, 9) !important; } .site-nav-tech-item .site-nav-theme-border.usatoday-theme-bg { background: rgb(193, 87, 9) !important; } .site-nav-theme-border.firefly-theme-bg.usatoday-theme-bg, .site-nav-theme-border.social-theme-bg.usatoday-theme-bg, .site-nav-theme-border.search-theme-bg.usatoday-theme-bg, .site-nav-theme-border { background-color: rgb(210, 210, 210); } .site-nav-active-item .site-nav-theme-border.social-theme-bg.usatoday-theme-bg, .site-nav-active-item .site-nav-theme-border.search-theme-bg.usatoday-theme-bg, .site-nav-active-item .site-nav-theme-border.firefly-theme-bg.usatoday-theme-bg { background-color: rgb(238,238,238); } .tech-theme-bg-hover.site-nav-text-span:hover { color: rgb(193, 87, 9) !important; } .tech-theme-bg, .tech-theme-bg-hover:hover, .site-nav-span.site-nav-tech-span.site-nav-active-span, .noimage .headline-asset-item-tile.headline-asset-item-tech-tile, .parent-label.tech { background-color: rgb(193, 87, 9) !important; } .card-suspender-color.tech { background: rgb(193, 87, 9) !important; } .headline-asset-item-tile.headline-asset-item-tech-tile { background-color: rgb(193, 87, 9); background-color: rgba(0,0,0,0.5); } .listview .noimage .headline-asset-item-tile.headline-asset-item-tech-tile, .listview .headline-asset-item-tile.headline-asset-item-tech-tile, .listview .hgpm-link.tech-theme-bg-hover, .listview .hgpm-link.tech-theme-border-hover:hover { background-color: transparent !important; background-color: rgba(0,0,0,0) !important; } .tech-theme-color, .hgpm-list-text .tech-theme-color .theme-bg-ssts-label, .hgpm-list-text .hgpm-section > .tech-theme-color, .blog-asset-double-wide.tech-theme-color .presto-h1, .blog-asset-double-wide.tech-theme-color .presto-h2, .blog-asset-double-wide.tech-theme-color .presto-h3, .blog-asset-double-wide.tech-theme-color .presto-h4, .blog-asset-double-wide.tech-theme-color .presto-h5, .blog-asset-double-wide.tech-theme-color .presto-h6, .tech-theme-color > .shbfm-subnav-link:hover, .tech-theme-color > .shbfm-subnav-link.is-selected, .tech-theme-color .inline-share-count-blog { color: rgb(193, 87, 9); } .blog-asset-double-wide.tech-theme-color blockquote { border-color: rgb(193, 87, 9); } .footer > nav > .fronts > section.tech h6 { border-color: rgb(193, 87, 9) !important; } .site-nav-span-theme-usatoday.site-nav-travel-span.site-nav-text-span.site-nav-active-span { background-color: transparent !important; color: rgb(17, 158, 158) !important; } .site-nav-span-theme-usatoday.site-nav-travel-span.site-nav-text-span.site-nav-active-span:hover { background-color: transparent !important; } .site-nav-travel-span.usatoday-theme-bg-hover.site-nav-dark.site-nav-text-span:hover, .site-nav-active-item .site-nav-travel-span.usatoday-theme-bg-hover.site-nav-dark.site-nav-text-span { background-color: transparent !important; color: rgb(17, 158, 158) !important; } .site-nav-travel-item .site-nav-theme-border.usatoday-theme-bg { background: rgb(17, 158, 158) !important; } .site-nav-theme-border.firefly-theme-bg.usatoday-theme-bg, .site-nav-theme-border.social-theme-bg.usatoday-theme-bg, .site-nav-theme-border.search-theme-bg.usatoday-theme-bg, .site-nav-theme-border { background-color: rgb(210, 210, 210); } .site-nav-active-item .site-nav-theme-border.social-theme-bg.usatoday-theme-bg, .site-nav-active-item .site-nav-theme-border.search-theme-bg.usatoday-theme-bg, .site-nav-active-item .site-nav-theme-border.firefly-theme-bg.usatoday-theme-bg { background-color: rgb(238,238,238); } .travel-theme-bg-hover.site-nav-text-span:hover { color: rgb(17, 158, 158) !important; } .travel-theme-bg, .travel-theme-bg-hover:hover, .site-nav-span.site-nav-travel-span.site-nav-active-span, .noimage .headline-asset-item-tile.headline-asset-item-travel-tile, .parent-label.travel { background-color: rgb(17, 158, 158) !important; } .card-suspender-color.travel { background: rgb(17, 158, 158) !important; } .headline-asset-item-tile.headline-asset-item-travel-tile { background-color: rgb(17, 158, 158); background-color: rgba(0,0,0,0.5); } .listview .noimage .headline-asset-item-tile.headline-asset-item-travel-tile, .listview .headline-asset-item-tile.headline-asset-item-travel-tile, .listview .hgpm-link.travel-theme-bg-hover, .listview .hgpm-link.travel-theme-border-hover:hover { background-color: transparent !important; background-color: rgba(0,0,0,0) !important; } .travel-theme-color, .hgpm-list-text .travel-theme-color .theme-bg-ssts-label, .hgpm-list-text .hgpm-section > .travel-theme-color, .blog-asset-double-wide.travel-theme-color .presto-h1, .blog-asset-double-wide.travel-theme-color .presto-h2, .blog-asset-double-wide.travel-theme-color .presto-h3, .blog-asset-double-wide.travel-theme-color .presto-h4, .blog-asset-double-wide.travel-theme-color .presto-h5, .blog-asset-double-wide.travel-theme-color .presto-h6, .travel-theme-color > .shbfm-subnav-link:hover, .travel-theme-color > .shbfm-subnav-link.is-selected, .travel-theme-color .inline-share-count-blog { color: rgb(17, 158, 158); } .blog-asset-double-wide.travel-theme-color blockquote { border-color: rgb(17, 158, 158); } .footer > nav > .fronts > section.travel h6 { border-color: rgb(17, 158, 158) !important; } .site-nav-span-theme-usatoday.site-nav-opinion-span.site-nav-text-span.site-nav-active-span { background-color: transparent !important; color: rgb(102,102,102) !important; } .site-nav-span-theme-usatoday.site-nav-opinion-span.site-nav-text-span.site-nav-active-span:hover { background-color: transparent !important; } .site-nav-opinion-span.usatoday-theme-bg-hover.site-nav-dark.site-nav-text-span:hover, .site-nav-active-item .site-nav-opinion-span.usatoday-theme-bg-hover.site-nav-dark.site-nav-text-span { background-color: transparent !important; color: rgb(102,102,102) !important; } .site-nav-opinion-item .site-nav-theme-border.usatoday-theme-bg { background: rgb(102,102,102) !important; } .site-nav-theme-border.firefly-theme-bg.usatoday-theme-bg, .site-nav-theme-border.social-theme-bg.usatoday-theme-bg, .site-nav-theme-border.search-theme-bg.usatoday-theme-bg, .site-nav-theme-border { background-color: rgb(210, 210, 210); } .site-nav-active-item .site-nav-theme-border.social-theme-bg.usatoday-theme-bg, .site-nav-active-item .site-nav-theme-border.search-theme-bg.usatoday-theme-bg, .site-nav-active-item .site-nav-theme-border.firefly-theme-bg.usatoday-theme-bg { background-color: rgb(238,238,238); } .opinion-theme-bg-hover.site-nav-text-span:hover { color: rgb(102,102,102) !important; } .opinion-theme-bg, .opinion-theme-bg-hover:hover, .site-nav-span.site-nav-opinion-span.site-nav-active-span, .noimage .headline-asset-item-tile.headline-asset-item-opinion-tile, .parent-label.opinion { background-color: rgb(102,102,102) !important; } .card-suspender-color.opinion { background: rgb(102,102,102) !important; } .headline-asset-item-tile.headline-asset-item-opinion-tile { background-color: rgb(102,102,102); background-color: rgba(0,0,0,0.5); } .listview .noimage .headline-asset-item-tile.headline-asset-item-opinion-tile, .listview .headline-asset-item-tile.headline-asset-item-opinion-tile, .listview .hgpm-link.opinion-theme-bg-hover, .listview .hgpm-link.opinion-theme-border-hover:hover { background-color: transparent !important; background-color: rgba(0,0,0,0) !important; } .opinion-theme-color, .hgpm-list-text .opinion-theme-color .theme-bg-ssts-label, .hgpm-list-text .hgpm-section > .opinion-theme-color, .blog-asset-double-wide.opinion-theme-color .presto-h1, .blog-asset-double-wide.opinion-theme-color .presto-h2, .blog-asset-double-wide.opinion-theme-color .presto-h3, .blog-asset-double-wide.opinion-theme-color .presto-h4, .blog-asset-double-wide.opinion-theme-color .presto-h5, .blog-asset-double-wide.opinion-theme-color .presto-h6, .opinion-theme-color > .shbfm-subnav-link:hover, .opinion-theme-color > .shbfm-subnav-link.is-selected, .opinion-theme-color .inline-share-count-blog { color: rgb(102,102,102); } .blog-asset-double-wide.opinion-theme-color blockquote { border-color: rgb(102,102,102); } .footer > nav > .fronts > section.opinion h6 { border-color: rgb(102,102,102) !important; } .site-nav-span-theme-usatoday.site-nav-lightpost-span.site-nav-text-span.site-nav-active-span { background-color: transparent !important; color: rgb(0,40,135) !important; } .site-nav-span-theme-usatoday.site-nav-lightpost-span.site-nav-text-span.site-nav-active-span:hover { background-color: transparent !important; } .site-nav-lightpost-span.usatoday-theme-bg-hover.site-nav-dark.site-nav-text-span:hover, .site-nav-active-item .site-nav-lightpost-span.usatoday-theme-bg-hover.site-nav-dark.site-nav-text-span { background-color: transparent !important; color: rgb(0,40,135) !important; } .site-nav-lightpost-item .site-nav-theme-border.usatoday-theme-bg { background: rgb(0,40,135) !important; } .site-nav-theme-border.firefly-theme-bg.usatoday-theme-bg, .site-nav-theme-border.social-theme-bg.usatoday-theme-bg, .site-nav-theme-border.search-theme-bg.usatoday-theme-bg, .site-nav-theme-border { background-color: rgb(210, 210, 210); } .site-nav-active-item .site-nav-theme-border.social-theme-bg.usatoday-theme-bg, .site-nav-active-item .site-nav-theme-border.search-theme-bg.usatoday-theme-bg, .site-nav-active-item .site-nav-theme-border.firefly-theme-bg.usatoday-theme-bg { background-color: rgb(238,238,238); } .lightpost-theme-bg-hover.site-nav-text-span:hover { color: rgb(0,40,135) !important; } .lightpost-theme-bg, .lightpost-theme-bg-hover:hover, .site-nav-span.site-nav-lightpost-span.site-nav-active-span, .noimage .headline-asset-item-tile.headline-asset-item-lightpost-tile, .parent-label.lightpost { background-color: rgb(0,40,135) !important; } .card-suspender-color.lightpost { background: rgb(0,40,135) !important; } .headline-asset-item-tile.headline-asset-item-lightpost-tile { background-color: rgb(0,40,135); background-color: rgba(0,0,0,0.5); } .listview .noimage .headline-asset-item-tile.headline-asset-item-lightpost-tile, .listview .headline-asset-item-tile.headline-asset-item-lightpost-tile, .listview .hgpm-link.lightpost-theme-bg-hover, .listview .hgpm-link.lightpost-theme-border-hover:hover { background-color: transparent !important; 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color: rgb(24,119,182) !important; } .site-nav-span-theme-usatoday.site-nav-year-in-review-span.site-nav-text-span.site-nav-active-span:hover { background-color: transparent !important; } .site-nav-year-in-review-span.usatoday-theme-bg-hover.site-nav-dark.site-nav-text-span:hover, .site-nav-active-item .site-nav-year-in-review-span.usatoday-theme-bg-hover.site-nav-dark.site-nav-text-span { background-color: transparent !important; color: rgb(24,119,182) !important; } .site-nav-year-in-review-item .site-nav-theme-border.usatoday-theme-bg { background: rgb(24,119,182) !important; } .site-nav-theme-border.firefly-theme-bg.usatoday-theme-bg, .site-nav-theme-border.social-theme-bg.usatoday-theme-bg, .site-nav-theme-border.search-theme-bg.usatoday-theme-bg, .site-nav-theme-border { background-color: rgb(210, 210, 210); } .site-nav-active-item .site-nav-theme-border.social-theme-bg.usatoday-theme-bg, .site-nav-active-item .site-nav-theme-border.search-theme-bg.usatoday-theme-bg, .site-nav-active-item .site-nav-theme-border.firefly-theme-bg.usatoday-theme-bg { background-color: rgb(238,238,238); 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class="site-nav-span site-nav-span-theme-usatoday site-nav-auxiliary-text-span site-nav-crosswords-span">Crosswords</span></a></span></li><li class="site-nav-item site-nav-item-theme-usatoday site-nav-primary-item site-nav-text-item site-nav-olympics-item site-nav-module site-nav-olympics-module" id="module-position-QpzxKm6QCoU"><span class="site-nav-inner-wrap"><a class=" site-nav-link site-nav-link-theme-usatoday site-nav-text-link site-nav-olympics-link" href="http://www.usatoday.com/sports/winter-olympics-2018/" data-ht="Headerolympics"><span class="site-nav-span site-nav-span-theme-usatoday site-nav-text-span site-nav-olympics-span">Olympics</span><span class="site-nav-theme-border olympics-theme-bg usatoday-theme-bg" ></span></a></span></li><li class="site-nav-item site-nav-item-theme-usatoday site-nav-primary-item site-nav-text-item site-nav-team-usa-item site-nav-module site-nav-team-usa-module" id="module-position-QpzxKm656fc"><span class="site-nav-inner-wrap"><a class=" 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site-nav-auxiliary-text-item site-nav-newsletters-item site-nav-module site-nav-newsletters-module" id="module-position-QpzxKm7-444"><span class="site-nav-inner-wrap"><a class=" site-nav-link site-nav-link-theme-usatoday site-nav-external-auxiliary-text-link site-nav-auxiliary-text-link site-nav-newsletters-link" href="https://account.usatoday.com/newsletters/" data-ht="Headernewsletters" target="_blank"><span class="site-nav-span site-nav-span-theme-usatoday site-nav-auxiliary-text-span site-nav-newsletters-span">Newsletters</span></a></span></li><li class="site-nav-item site-nav-item-theme-usatoday site-nav-primary-item site-nav-auxiliary-text-item site-nav-stocks-item site-nav-module site-nav-stocks-module" id="module-position-QpzxKm77guI"><span class="site-nav-inner-wrap"><a class=" site-nav-link site-nav-link-theme-usatoday site-nav-auxiliary-text-link site-nav-stocks-link" href="/money/markets/" data-ht="Headerstocks"><span class="site-nav-span site-nav-span-theme-usatoday site-nav-auxiliary-text-span site-nav-stocks-span">Stocks</span></a></span></li><li class="site-nav-item site-nav-item-theme-usatoday site-nav-primary-item site-nav-auxiliary-text-item site-nav-apps-item site-nav-module site-nav-apps-module" id="module-position-QpzxKm62VA0"><span class="site-nav-inner-wrap"><a class=" site-nav-link site-nav-link-theme-usatoday site-nav-external-auxiliary-text-link site-nav-auxiliary-text-link site-nav-apps-link" href="http://static.usatoday.com/mobile-apps/" data-ht="Headerapps" target="_blank"><span class="site-nav-span site-nav-span-theme-usatoday site-nav-auxiliary-text-span site-nav-apps-span">Apps</span></a></span></li><li class="site-nav-item site-nav-item-theme-usatoday site-nav-primary-item site-nav-auxiliary-text-item site-nav-classifieds-item site-nav-module site-nav-classifieds-module" id="module-position-QpzxKm71030"><span class="site-nav-inner-wrap"><a class=" site-nav-link site-nav-link-theme-usatoday site-nav-external-auxiliary-text-link site-nav-auxiliary-text-link site-nav-classifieds-link" href="http://www.usatodayclassifieds.com/" data-ht="Headerclassifieds" target="_blank"><span class="site-nav-span site-nav-span-theme-usatoday site-nav-auxiliary-text-span site-nav-classifieds-span">Classifieds</span></a></span></li><li class="site-nav-item site-nav-item-theme-usatoday site-nav-primary-item site-nav-auxiliary-text-item site-nav-bestsellingbooks-item site-nav-module site-nav-bestsellingbooks-module" id="module-position-QpzxKm73jik"><span class="site-nav-inner-wrap"><a class=" site-nav-link site-nav-link-theme-usatoday site-nav-auxiliary-text-link site-nav-bestsellingbooks-link" href="/life/books/best-selling/" data-ht="Headerbestsellingbooks"><span class="site-nav-span site-nav-span-theme-usatoday site-nav-auxiliary-text-span site-nav-bestsellingbooks-span">Best-Selling Books</span></a></span></li><li class="site-nav-item site-nav-item-theme-usatoday site-nav-primary-item site-nav-auxiliary-text-item site-nav-corrections-item site-nav-module site-nav-corrections-module" id="module-position-QpzxKm6F97U"><span class="site-nav-inner-wrap"><a class=" site-nav-link site-nav-link-theme-usatoday site-nav-auxiliary-text-link site-nav-corrections-link" href="/story/news/2013/01/09/corrections-clarifications/1821023/" data-ht="Headercorrections"><span class="site-nav-span site-nav-span-theme-usatoday site-nav-auxiliary-text-span site-nav-corrections-span">Corrections</span></a></span></li><li class="site-nav-item site-nav-item-theme-usatoday site-nav-primary-item site-nav-auxiliary-text-item site-nav-interactives-item site-nav-module site-nav-interactives-module" id="module-position-QpzxKm7jaLU"><span class="site-nav-inner-wrap"><a class=" site-nav-link site-nav-link-theme-usatoday site-nav-auxiliary-text-link site-nav-interactives-link" href="/topic/E01C4890-85A2-4E0B-A3DD-58BD88E71251/interactive-graphics/" data-ht="Headerinteractives"><span class="site-nav-span site-nav-span-theme-usatoday site-nav-auxiliary-text-span site-nav-interactives-span">Interactives</span></a></span></li><li class="site-nav-item site-nav-item-theme-usatoday site-nav-primary-item site-nav-auxiliary-text-item site-nav-news-tips-item site-nav-module site-nav-news-tips-module" id="module-position-QpzxKm6LHdI"><span class="site-nav-inner-wrap"><a class=" site-nav-link site-nav-link-theme-usatoday site-nav-external-auxiliary-text-link site-nav-auxiliary-text-link site-nav-news-tips-link" href="https://newstips.usatoday.com/" data-ht="Headernews-tips" target="_blank"><span class="site-nav-span site-nav-span-theme-usatoday site-nav-auxiliary-text-span site-nav-news-tips-span">News tips</span></a></span></li><li class="site-nav-item site-nav-item-theme-usatoday site-nav-primary-item site-nav-auxiliary-text-item site-nav-photo-galleries-item site-nav-module site-nav-photo-galleries-module" id="module-position-QpzxKm8fdlA"><span class="site-nav-inner-wrap"><a class=" site-nav-link site-nav-link-theme-usatoday site-nav-auxiliary-text-link site-nav-photo-galleries-link" href="/media/latest/photos/news/" data-ht="Headerphoto-galleries"><span class="site-nav-span site-nav-span-theme-usatoday site-nav-auxiliary-text-span site-nav-photo-galleries-span">Photo galleries</span></a></span></li><li class="site-nav-item site-nav-item-theme-usatoday site-nav-primary-item site-nav-auxiliary-text-item site-nav-newsstand-item site-nav-module site-nav-newsstand-module" id="module-position-QpzxKm8meZU"><span class="site-nav-inner-wrap"><a class=" site-nav-link site-nav-link-theme-usatoday site-nav-auxiliary-text-link site-nav-newsstand-link" href="/shop/" data-ht="Headernewsstand"><span class="site-nav-span site-nav-span-theme-usatoday site-nav-auxiliary-text-span site-nav-newsstand-span">Newsstand</span></a></span></li><li class="site-nav-item site-nav-item-theme-usatoday site-nav-primary-item site-nav-auxiliary-text-item site-nav-scores-item site-nav-module site-nav-scores-module" id="module-position-QpzxKm9iFOo"><span class="site-nav-inner-wrap"><a class=" site-nav-link site-nav-link-theme-usatoday site-nav-auxiliary-text-link site-nav-scores-link" href="/sports/" data-ht="Headerscores"><span class="site-nav-span site-nav-span-theme-usatoday site-nav-auxiliary-text-span site-nav-scores-span">Scores</span></a></span></li><li class="site-nav-item site-nav-item-theme-usatoday site-nav-primary-item site-nav-auxiliary-text-item site-nav-podcasts-item site-nav-module site-nav-podcasts-module" id="module-position-QpzxKm8AGZQ"><span class="site-nav-inner-wrap"><a class=" site-nav-link site-nav-link-theme-usatoday site-nav-auxiliary-text-link site-nav-podcasts-link" href="/pages/interactives/podcasts/" data-ht="Headerpodcasts"><span class="site-nav-span site-nav-span-theme-usatoday site-nav-auxiliary-text-span site-nav-podcasts-span">Podcasts</span></a></span></li><li class="site-nav-item site-nav-item-theme-usatoday site-nav-primary-item site-nav-auxiliary-text-item site-nav-investigations-item site-nav-module site-nav-investigations-module" id="module-position-QpzxKm82ZX8"><span class="site-nav-inner-wrap"><a class=" site-nav-link site-nav-link-theme-usatoday site-nav-auxiliary-text-link site-nav-investigations-link" href="/topic/f4cd5d76-8c46-4d69-8a8f-85dfd6fefc5c/investigations/" data-ht="Headerinvestigations"><span class="site-nav-span site-nav-span-theme-usatoday site-nav-auxiliary-text-span site-nav-investigations-span">Investigations</span></a></span></li><li class="site-nav-item site-nav-item-theme-usatoday site-nav-primary-item site-nav-text-item site-nav-washington-item site-nav-module site-nav-washington-module" id="module-position-QpzxKm9-FS8"><span class="site-nav-inner-wrap"><a class=" site-nav-link site-nav-link-theme-usatoday site-nav-text-link site-nav-washington-link" href="/washington/" data-ht="Headerwashington"><span class="site-nav-span site-nav-span-theme-usatoday site-nav-text-span site-nav-washington-span">Washington</span><span class="site-nav-theme-border washington-theme-bg usatoday-theme-bg" ></span></a></span></li><li class="site-nav-item site-nav-item-theme-usatoday site-nav-primary-item site-nav-text-item site-nav-policing-item site-nav-module site-nav-policing-module" id="module-position-QpzxKm8ApEM"><span class="site-nav-inner-wrap"><a class=" site-nav-link site-nav-link-theme-usatoday site-nav-text-link site-nav-policing-link" href="/policing/" data-ht="Headerpolicing"><span class="site-nav-span site-nav-span-theme-usatoday site-nav-text-span site-nav-policing-span">Policing the USA</span><span class="site-nav-theme-border policing-theme-bg usatoday-theme-bg" ></span></a></span></li><li class="site-nav-item site-nav-item-theme-usatoday site-nav-primary-item site-nav-text-item site-nav-moonlighting-item site-nav-module site-nav-moonlighting-module" id="module-position-QpzxKm8wZHQ"><span class="site-nav-inner-wrap"><a class=" site-nav-link site-nav-link-theme-usatoday site-nav-external-text-link site-nav-text-link site-nav-moonlighting-link" href="https://www.gomnlt.com/gci/usa-today/?utm_source=usa-today&amp;utm_medium=navweblink&amp;utm_campaign=GCI" data-ht="Headermoonlighting" target="_blank"><span class="site-nav-span site-nav-span-theme-usatoday site-nav-text-span site-nav-moonlighting-span">Moonlighting</span><span class="site-nav-theme-border moonlighting-theme-bg usatoday-theme-bg" ></span></a></span></li><li class="site-nav-item site-nav-item-theme-usatoday site-nav-primary-item site-nav-auxiliary-text-item site-nav-vrtually-there-item site-nav-module site-nav-vrtually-there-module" id="module-position-QpzxKm9okOk"><span class="site-nav-inner-wrap"><a class=" site-nav-link site-nav-link-theme-usatoday site-nav-auxiliary-text-link site-nav-vrtually-there-link" href="/section/global/vrtuallythere/" data-ht="Headervrtually-there"><span class="site-nav-span site-nav-span-theme-usatoday site-nav-auxiliary-text-span 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As of April, less than one-sixth of homes in Harris County, Texas, whose county seat is Houston, currently have active National Flood Insurance Program policies. The county has about 1.8 million housing units.</p><p class="p-text"><span class="exclude-from-newsgate"><strong style="margin-right:3px;">More: </strong><a href="/story/money/cars/2017/09/06/hurricane-harvey-hurricane-irma-raise-risk-how-spot-flood-car/636607001/">How to spot a hurricane-damaged used car</a></span></p><p class="p-text"><span class="exclude-from-newsgate"><strong style="margin-right:3px;">More: </strong><a href="/story/money/personalfinance/2017/08/28/can-you-buy-last-minute-hurricane-insurance/608770001/">Can you buy last-minute hurricane insurance?</a></span></p><p class="p-text"><span class="exclude-from-newsgate"><strong style="margin-right:3px;">More: </strong><a href="/story/news/politics/2017/08/27/federal-emergency-officials-preparing-years-recovery-efforts-states-hittexas-and-other-harvey-target/606036001/">Federal government plans years-long recovery effort in states hit by hurricane</a></span></p><p class="p-text">"Similar take-up rates are found in neighboring counties, though the rate drops off the further inland from the immediate coastline," the report said. "Based on these statistics, it is expected that a large portion of the overall economic damage caused by flooding will not be covered by insurance."</p><p class="p-text">Here are some tips for residents affected by the storms:</p><p class="p-text"><strong>*Contact your insurance company as soon as possible to report the claim.</strong> Insurers typically visit the most severely damaged areas first, so be prepared to provide an accurate description of any damages, says the Insurance Information Institute (III). Make sure to get a claim number and write it down since it’s the quickest and easiest way for insurance companies to locate your file, according to the Consumer Federation of America (CFA).</p><div class="partner-placement partner-spike"></div><p class="p-text">Ask the company when you can expect to be contacted by an insurance adjuster. It could be anywhere from a week to five to six months, depending on the extent of the claim, according to HouseLogic, a website operated by the National Association of Realtors.</p><p class="p-text">A new law in Texas, which lowers interest payments paid by insurance companies, goes into effect Friday and homeowners may want to consider it before deciding when to file claims.   </p><p class="p-text">Currently, insurance companies in Texas that have been deemed by a court to be in delay of paying claims must pay the claim with 18% interest. The new law cuts the interest bill to about 10%. "The new law strips people of their rights," Geoff Henley, an attorney at Henley &amp; Henley <a href="https://www.dallasnews.com/news/texas-legislature/2017/08/28/lawyers-harvey-victims-file-insurance-claims-law-changes-sept-1-risk-losing-money#_ga=2.66960746.531425536.1503841185-580109595.1492089029">told </a>the <em>Dallas Morning News</em>. "So immediate action is necessary."</p><div class="partner-outstream"><div class="partner-video"></div></div><p class="p-text"><strong>*Document your losses with pictures and video,</strong> if possible, and include a list of damaged personal items, says John Salter, certified financial planner at Evensky &amp; Katz in Lubbock, Texas. Include the date of purchase and approximate value of any damaged items and collect receipts, III says.</p><p class="p-text"><strong>*Keep good records of anything you spend</strong> to make immediate repairs to secure your home, as well as receipts for hotels and meals if you can’t return home right away, CFA says.</p><p class="p-text"><strong>*Check with your insurance company before discarding damaged items.</strong> You typically need to show them to your adjuster, according to III. but if your municipality requires you to discard them for safety reasons, take photographs to help with claims.</p><p class="p-text"><strong>*Keep a claim diary. </strong>Start a notebook with contact information of the people you deal with from your insurance company. Make a list of everyone you speak to and note the date, time and issues discussed, CFA says.</p><p class="p-text"><strong>*Sign up for text alerts. </strong>Many insurance companies use SMS/text alerts to notify you of the status of your claim, III says. You’ll get messages when you first report your claim, when your estimate is available and when a payment has been sent.</p><p class="p-text"><em>Contributing: Roger Yu</em></p><div id="module-position-QpzxKf6DwhQ" class="story-asset inline-share-tools-asset"><div class="inline-share-tools asset-inline-share-tools asset-inline-share-tools-bottom"><span
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