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June 3, 2014 By admin Leave a Comment

In Case Of An Earthquake

People_FamilyPlanningProtecting yourself and your family

Be sure that all family members know how to turn off utilities (gas, water and electricity) in an emergency.

Make sure every family member knows where safe spots are in each room, such as under sturdy tables or desks or in strong doorways.

Identify danger zones in each room, such as windows, bookshelves and furniture, that may fall over and cause injuries.

Protecting your property

Check to see that your house has been properly “tied” to the foundation. Extensive damage is often done to homes that shift and slide on the foundation during an earthquake. A contractor can advise you about this and suggest whether lateral bracing of the house walls is necessary.

  • Be sure that water heaters and other gas appliances are properly bolted down or supported on the floor or wall.
  • Put the heavier, breakable items on lower shelves.
  • Search the ceiling and foundation for deep plaster cracks. Make the necessary repairs if there are signs of structural defects.
  • Make an inventory of your possessions and store it off the premises. If your belongings are damaged, this list will help facilitate the claim filing process.

Source: Insurance Information Institute, “In Case of an Earthquake”
http://www.iii.org website. Accessed November 30, 2015. http://www.iii.org/articles/in-case-of-an-earthquake.html

© Copyright 2016. All rights reserved. This content is strictly for informational purposes and although experts have prepared it, the reader should not substitute this information for professional insurance advice. If you have any questions, please consult your insurance professional before acting on any information presented. Read more.

Filed Under: Personal, Personal Protection, Theme 13

June 3, 2014 By admin Leave a Comment

Protecting Your Home From An Earthquake

Video-jpg_EarthquakeVideoEARTHQUAKE PROTECTION

Earthquakes are a real threat to your home, possessions, and safety. Learn simple ways to improve the security of your home against this disaster. Spokespersons: Jeanne Salvatore, Insurance Information Institute; Harvey Ryland, Institute for Business & Home Safety.

View Video

Source: Insurance Information Institute, “Protect Your Home Against an Earthquake” http://www.iii.org website. Accessed November 30, 2015. https://www.youtube.com/watch?v=7xZ0Jo1ZKqk

© Copyright 2016. All rights reserved. This content is strictly for informational purposes and although experts have prepared it, the reader should not substitute this information for professional insurance advice. If you have any questions, please consult your insurance professional before acting on any information presented. Read more.

Filed Under: Personal, Theme 13

June 3, 2014 By admin Leave a Comment

Earthquake Insurance

stone crackStandard homeowners, renters and business insurance policies do not cover damage from earthquakes. Coverage is available either in the form of an endorsement or as a separate policy.

Earthquake insurance provides protection from the shaking and cracking that can destroy buildings and personal possessions. Coverage for other kinds of damage that may result from earthquakes, such as fire and water damage due to burst gas and water pipes, is provided by standard home and business insurance policies. Unlike flood insurance, earthquake coverage is available from private insurance companies rather than from the government.

In California, homeowners can also get coverage from the California Earthquake Authority (CEA), a privately funded, publicly managed organization.

© Copyright 2015. All rights reserved. This content is strictly for informational purposes and although experts have prepared it, the reader should not substitute this information for professional insurance advice. If you have any questions, please consult your insurance professional before acting on any information presented. Read more.

Filed Under: Personal, Theme 13

June 3, 2014 By Julian Aston Leave a Comment

IN: Earthquakes: Standard Insurance Policies Do Not Cover You

Dear Valued Customer,

While earthquakes are most commonly associated with California, they have occurred in 39 states over the last 100 years, and have inflicted damage in all 50 states. In fact, each year there are about 5,000 earthquakes.

This issue of “————–” is focused upon understanding the risks and issues associated with insuring for earthquake loss, and the importance proper insurance coverage can have – especially when standard homeowners, renters and business insurance policies do not cover damage from earthquakes. Coverage, however, is available in the form of an endorsement to a home or business insurance policy.

We appreciate your continued business and look forward to serving you.

Kind regards,

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Filed Under: Personal, Personal Protection, Theme 13

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