by California Casualty | Homeowners Insurance Info, Safety |
The recent large earthquakes in Southern California are a reminder to always be earthquake-ready.
Earthquakes come on suddenly, with very little warning. They can be a sharp jolt followed by the ground shaking and cracking, or waves rolling across the ground.
Earthquakes can hit anywhere at any time, and while the West Coast is considered “earthquake country,” the U.S. Geological Survey warns that earthquakes have been registered in every state in the union, with special seismic hazards for areas encompassing the western-third of the nation, and areas extending from Missouri and Illinois to most of the Eastern Seaboard.
After an earthquake strikes many are often left disoriented and full of adrenaline –psyche and security shaken as much as their house. Post-quake your home or apartment may look damage-free, but there can be many hidden dangers.
After checking your family and others for injuries, here are key steps you need to take to ensure your safety:
- Check for gas and water line leaks. Know where the shutoff valves are if you smell gas or detect water leaking to prevent fires and water damage.
- Be aware of downed power lines.They can still carry a dangerous current.
- Inspect chimneys and brick areas for cracks. If cracked, they could send dangerous debris down on you or others.
- Check water heater and furnace vents. If they have become separated, it could send dangerous carbon monoxide into the home.
- Watch for electrical sparking or the smell of burning wire insulation. This could lead to a fire. Unplug any broken lights or appliances and turn off power at the main fuse box if you detect an issue.
- Clean up spilled medicines, drugs or harmful chemicals. Bleach, turpentine, hazardous garden supplies, etc.
- Don’t drink from faucets or other unprotected water sources. Wait until given the okay from your municipality or utility, because they could be contaminated.
Always Plan Ahead
Before an earthquake, or other natural disaster hits, you should always have a plan. Here are some tips to help you and your family prepare:
- Develop a family communication plan and “meet-up” location if you become separated
- Have your first aid kit fully stocked
- Prepare an emergency kit with: water, medicines, food, money, other important documents, etc.
- Have basic emergency supplies gathered all in one place: flash lights, batteries, blankets, a radio, lighters or matches, cell phone chargers, extra clothes
- Be sure to have coverage insurance.
If you have comprehensive coverage with your auto insurance, your vehicle is covered for damage from falling debris and other impacts from earthquakes.
However, earthquake damage is not covered under your homeowners or renters insurance policy, and less than 20% of Americans have purchased a policy. That means most people whose property suffers losses from a temblor will be paying out of pocket or relying on federal assistance and loans for recovery.
You can be prepared; California Casualty provides earthquake insurance as an endorsement to home owners policies in California, Illinois, Kentucky, Missouri, Oregon and Rhode Island. We also offer earthquake coverage through our partner, GeoVera Insurance Company, in California, Oregon and Washington. Learn more and get a quote at 877.652.2638 or visit www.calcas.com/earthquake-insurance.
For more information visit:
https://bit.ly/2Xz4Db6
https://bit.ly/2XVRckI
https://bit.ly/2S53H8k
by California Casualty | Homeowners Insurance Info |
Ask anyone who has experienced a large earthquake; the experience is not fun. Walls shake, the earth rolls, and you have no control over what might happen for the next few seconds – or up to a minute – as the roller coaster continues. Californians are more aware after the recent temblor in Napa.
Now, there is more concern as the U.S. Geological Survey has expanded their maps of earthquake prone areas. The new mapping shows 42 states now facing a reasonable chance of a damaging quake within 50 years, with 16 sates facing a high risk of damaging ground movement. Those high risk states are Alaska, Arkansas, California, Hawaii, Idaho, Illinois, Kentucky, Missouri, Montana, Nevada, Oregon, South Carolina, Tennessee Utah, Washington and Wyoming.
Before a major shake “rocks your world,” Ready.gov has a comprehensive list of earthquake preparedness tips:
- Prepare an emergency kit, have an evacuation plan and determine how your family will communicate
- Fasten shelves securely to walls
- Make sure large or heavy items are on lower shelves and breakable items like bottles, glass and china are stored in low, closed cabinets with latches
- Repair defective electrical wiring or leaky gas connections and install flexible pipe fittings to avoid gas or water leaks
- Locate safe spots in each room under a sturdy table or against an inside wall
- Hold earthquake drills with your entire family
Safety is paramount after the shaking has subsided. The American Red Cross has a checklist of does and don’ts following an earthquake that include:
- Turn off water and gas main-lines to your dwelling
- Stay away from downed power lines and damaged structures
- Extinguish small fires
- Clean up spilled medications, bleach or other dangerous liquids
- Monitor updates with battery powered or hand-crank radios
- Offer help to those who might be trapped or need special assistance.
Once you are in a safe place, contact your insurance company. Keep in mind that earthquake damage is not a part of most people’s home insurance policy; separate earthquake coverage needs to be purchased. Earthquake insurance is available as an endorsement to California Casualty homeowners in California, Oregon, Missouri, Illinois, Kentucky and Rhode Island and California Casualty has partnered with GeoVera to underwrite earthquake insurance for homeowners in California, Oregon and Washington. If you need earthquake protection, call a California Casualty advisor today at 1.800.800.9410.
Sources for this article:
https://www.ready.gov/earthquakes
https://pubs.usgs.gov/of/2014/1091/
https://earthquake.usgs.gov/hazards/
https://www.redcross.org/prepare/disaster/earthquake
by California Casualty | Safety |
Today, an 8.9-magnitude quake struck Japan, causing widespread devastation and setting off a chain of tsunamis that are affecting coastlines as far away as California. Our thoughts and prayers go out to those whose lives have been turned upside-down by this historic disaster.
When things like this occur – it’s important that we remind ourselves of steps to take in the face of disaster.
Earthquake safety is all about preparedness. We found a list of 7 Steps to Earthquake Safety, and wanted to share them with you here:
– Identify hazards such as heavy items that aren’t secured, and repair them
– Create a disaster plan
– Prepare disaster kits that contain first aid items and fresh water
– Identify building weaknesses and repair them
– Drop, Cover, and Hold on
– After an earthquake, check for injuries and damage
– Follow your disaster plan
We encourage you to read the full description of the steps here.
We also recently posted a guide to flood safety, which can be important in the aftermath of a tsunami. Follow the link to read.
by California Casualty | Educators, Safety |
In many areas, a major safety concern is the ongoing threat of earthquakes. While they can’t be avoided, it is possible to take steps to mitigate the damage from these occurrences.
As part of our commitment to educators, I want to share an interesting webinar offered by the Applied Technology Council. This webinar will provide more information on steps that can be taken to improve the earthquake safety of schools. It may be a little too scientific for some, but I thought it would be of interest to some folks out there!
Here’s more info:
Numerous school buildings located in multiple States and U.S. territories are vulnerable to earthquake losses and damage. This includes potential:
• Death and injury of students, teachers, and staff
• Damage to or collapse of buildings
• Damage and loss of furnishings, equipment, and building contents
• Disruption of educational programs and school operations
• Inability of the community to use schools as temporary shelters
At this webinar, you will learn the following:
• How to assess and analyze your earthquake risks
• How to develop an actionable plan to reduce and manage earthquake risks
• How to initiate an earthquake risk reduction plan for existing school buildings that were not designed and constructed to meet modern building codes
• How to secure “non-structural” elements of the school facility
• How to apply “incremental seismic rehabilitation” to protect buildings and ensure occupant safety
• Why “incremental seismic rehabilitation” is an affordable alternative for school safety
by California Casualty | Finances, Homeowners Insurance Info |
Homeowner’s insurance helps to protect your most valuable investment—your home. But homeowner’s policies can vary in cost, depending on where you live and what you’re insuring. Following are homeowner’s insurance costs explained so that you can make decisions about your specific needs.
Why you need homeowner’s insurance
If you have a home mortgage, you are required to have homeowner’s insurance. Even if you don’t have a mortgage, it’s recommended that you have insurance to protect your home.
Simply put, homeowner’s insurance provides coverage:
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- In case your home or belongings are damaged
- In cases of fire, wind, snow and other covered perils
- In case you are held responsible for an accident or injury
How much coverage you will need depends upon your location, the size and scope of your home/dwelling, other structures on your property, and your personal belongings. You don’t want to shortchange the amount of coverage, or you may not have enough to rebuild your home or replace your possessions in the event of a claim.
Note that homeowner’s insurance is not the same as mortgage insurance. Mortgage insurance is required when you put less than 20% down when you buy your home. Mortgage insurance protects the lender. Home insurance protects your home.
Location
Depending on where you live, you may face different types of risks which can affect your home. These include extreme heat, drought, fire, and severe storms. Your insurer will take those risks into account when pricing your policy.
There also are natural disasters such as flooding and earthquakes which are not covered by homeowner’s insurance. You can add these coverages with a separate policy or an endorsement added to your property policy.
Dwelling Coverage
Coverage A, dwelling coverage, covers the structure of your home. This includes the roof, walls, floorboards, cabinets and bath fixtures. Essentially, if you could tip your house upside down, it would cover everything that remains attached. Under dwelling coverage, your insurance provider will pay to rebuild your house if the structure is damaged by a covered peril. Coverage for the dwelling and other structures is categorized as “open perils,” meaning it’s covered unless it’s excluded. Building materials like hardwood floors, gourmet kitchens, granite counters, and tile roofs are all factored into the appropriate amount of insurance you would be offered under dwelling coverage.
Especially in periods of economic inflation and building supply or labor shortages, the true rebuild cost of your home may be substantially higher than the market value and even much higher than the cost of building a new house on an empty lot. If your insurance provider hasn’t recalculated the cost to rebuild your home recently, then you may be at risk of running out of coverage if you experience a total loss. That’s why it’s good to periodically check with your provider to make sure you are fully covered.
Other Structures
You may have a swimming pool, shed, detached garage, or fence. These are other structures that can be damaged and therefore need to be included in your insurance policy. Other structures coverage will cover damage to these structures that is not specifically excluded in the policy.
The coverage limit for other structures is generally set at 10% of your home’s coverage limit. That means if your home is insured for $200,000, the coverage limit for your detached garage would be $20,000. For an additional premium, you can add an endorsement for additional coverage.
Personal Property Coverage
Personal property coverage protects your possessions. If they are stolen, or damaged by fire/smoke or any of 16 named “perils,” your policy will pay for them subject to your deductible. There are dollar limits for theft of certain items, such as jewelry and firearms.
You may choose the replacement cost or the actual cash value (ACV) for reimbursement in personal property coverage. ACV is the amount the item is worth, minus depreciation for its age. It will cost a little more for a policy that provides replacement cost since that is higher than ACV.
Liability Coverage
Liability coverage includes two coverages: Coverage E – Personal Liability and Coverage F – Medical Payments to Others.
Personal Liability protects you if a claim is made or a suit brought against you for bodily injury or property damage caused by an occurrence to which coverage applies. An occurrence means an accident, which results in Bodily injury or Property damage. If you are found liable, the policy will pay up to its limit of liability for damages for which an insured is legally liable. This can include medical expenses, lost wages, pain and suffering and permanent scarring. The policy also provides a defense in court, if needed, for the policyholder. This is at the insurance company’s own expense.
You want to make sure you have enough coverage to protect your assets – a minimum amount is $100,000. Liability covers you at your place or anywhere in the world. For example, if your dog bites someone, you’re covered. The policy pays for the bite victim’s medical expenses and covers court fees if they sue you.
If you are not liable, but your guest was injured through his/her own fault, then Coverage F – Medical Payment to Others may cover your guest’s medical bills. Under Coverage F, the insurance company will pay the necessary medical expenses to a person injured on the insured location with the permission of an insured, or off the insured location if the injury is caused by the activities of an insured or caused by an animal owned by an insured.
Additional Living Expenses
If your home is damaged in a covered claim, it may not be livable. If that’s the case, you would need to stay somewhere else. You would be covered for any necessary increase in living expenses, such as lodging, food, and gas. Under Coverage D – Loss of Use, called “Additional Living Expense,” your policy will provide a flat percentage toward living costs, usually 30% of the Coverage A amount. Some states have time limits (e.g. 12 months) on when you can use that coverage. Plan to cover those additional expenses out-of-pocket.
Deductible
Generally, the higher your deductible, the lower the cost of your insurance premium. Since the deductible is the amount your insurance provider will subtract from an insurance payout, you’ll have to select a deductible that you’re comfortable paying out-of-pocket after a loss.
Other Things That Affect Cost
Finally, there are other items that can affect the cost of a policy. Your insurance claim history could be factored in. If you have a number of past claims, or the home you are trying to insure has a number of claims, your rate could be higher. The age of your home and condition of your roof may be taken into account.
Get started with a free quote today at mycalcas.com/quote.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
