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  1. It may be easy to get insurance, but not that...

    It may be easy to get insurance, but not that easy to get some money when something happens.
    As far as I know, insurance does not cover force majeure cases. And a flood is definitely a force majeure.
  2. -9*C is considered here to be a warm winter...

    -9*C is considered here to be a warm winter weather :)
    I live in the middle part of the European Russia, it is not Siberia, and we do not have extremely cold winters here. So, -40*C is very-very...
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