Earthquake Insurance

House and Car Destroyed by TsunamiIf you live in an area that is prone to earthquakes than earthquake insurance is not such a bad idea. Like any insurance it only becomes important when you do not have it. Earthquake insurance can help you recoup any losses that you experience during an earthquake.

Most homeowners insurance does not cover property damage from an earthquake. You have to have a special policy or rider that will add the coverage to your policy. There are only a handful of insurance carriers that offer earthquake insurance.

If you live in an area where earthquakes happen frequently than having this type of insurance is a very good investment. Choosing a plan that meets all your needs will require that you do your homework and take the time to shop around and compare plans.

Deductibles

The plan deductibles vary from plan to plan so it is important to shop around and do some comparisons. Typically with this type of insurance the deductibles can be rather high so they are not necessarily a good idea unless there is a total loss of property.

Shopping around and comparing your options can help you find a plan that is affordable and that has reasonable deductibles.

Considerations

If you are interested in acquiring earthquake insurance the time to do it is BEFORE there is an earthquake. Often insurance carriers will stop offering this type insurance following an earthquake for a  while. This is done because many times following an earthquake there are substantial aftershocks that occur.

You want to purchase a plan from a reliable carrier that has a strong reputation for providing good options and following through with claims quickly and accurately. A trustworthy carrier can provide you with a plan that is affordable and that offers a lower deductible.

 Is It Worth It?

Earthquake insurance is an added expense above and beyond your regular homeowners insurance and you may be wondering if it is worth the added expense. Like every other kind of insurance if you don’t need it you don’t miss it but if you live in an area where an earthquake is a potential threat than yes it is worth it!

It is far better to be over insured than it is to be under insured in every case. Shop and compare to find a plan that is affordable and that will work for your situation. Protect your investment with earthquake insurance.

More information:

Husforsikring – Danish site about the insurance of houses in Denmark

Earthquake insurance in Japan

Government of New Zealand provides earthquake insurance

Emergency Food Supplies

WHAT SHOULD YOU DO FOR FOOD SUPPLIES?

As part if your preparations for an earthquake you should prepare an emergency food supply that will last each individual several days or as much as a week. Use foods that your family likes. Canned foods, dry mixes, dehydrated fruit, etc. that are normally used will do just fine. Try for a balance meal approach. Don’t forget a manual can opener in the event of a power outage. Foods stored in dark, cool areas lasts longer. Rotate food items from storage at least once or twice a year to avoid spoilage and keep freshness. It may be helpful to write the date on the items the day they were stored.

WHAT ABOUT FOODS IN REFRIGERATORS OR FREEZERS?

Packing food for Burning ManPerishable foods such as milk, meats, etc. that are normally stored under refrigeration will spoil quickly without it. If still cold, these foods should be used first. Foods in freezers can last several days without power if the door is not opened frequently.

WHAT NOT TO DO…

If perishable foods lose refrigeration and become warm, DO NOT USE. Bacteria grows rapidly without refrigeration, and may cause food poisoning.

If canned foods have been damaged and are bulging or leaking, DO NOT USE.

DO NOT USE food from open containers where broken glass is present, have or where household chemicals have spilled.

Unsealed containers and those that have been punctured by rodents or have rodent droppings should NOT be used.

There are several reputable suppliers of prepared emergency food supplies for individuals, families and business. Check your Yellow Pages for a distributor nearest you.

BE PREPARED FOR AFTERSHOCKS, AND PLAN WHERE YOU WILL TAKE COVER WHEN THEY OCCUR!!

Modified from: San Mateo County Department of Health Services

photo by: DoNotLick

The Earthquake in Haiti in 2010

The Earthquake in Haiti in 2010

On Tuesday, January 12, 2010 a magnitude 7.0 earthquake struck Haiti with catastrophic consequences. The epicenter of the earthquake hit near the town of Léogâne, roughly 16 miles from the capital of Port-au-Prince. The earthquake hit at approximately 4:55pm local time and affected major cities surrounding the region.

Aftershocks and Damagehaiti earthquake 2010

By the time the sun rose on January 24th, there had been at least 52 aftershocks measuring 4.5 or higher on the Richter Scale. The earthquake and resulting aftershocks affected approximately 3 million people, with the death toll estimated at anywhere from 100,000 to 159,000 people. The Haitian government estimated there were 250,000 homes and 30,000 commercial buildings and businesses that had collapsed or had been extremely damaged.

Port-au-Prince suffered extensive damage, as well as Jacmel and other cities in the region. Several landmarks such as the Presidential Palace, Port-au-Prince Cathedral, and the National Assembly were heavily damaged or destroyed, among others.

What Caused the Earthquake?

Haiti’s 7.0 earthquake occurred inland on the blind thrust faults that are associated with the Enriquillo-Plantain Garden Fault system. It is believed that the earthquake had nothing to do with any significant movement or lateral slip of the Enquillo fault; they found no evidence of a surface rupture. The resulting earthquake was felt in several surrounding countries including Cuba, Venezuela, Jamaica, Puerto Rico and the Dominican Republic. The damage was more destructive than other earthquakes of similar strength due to the shallow depth of the quake itself.

The earthquake happened due to pressure or stress build up along the plates that converge over Haiti; the Caribbean tectonic plate and the North American Plate – which shifts approximately 20mm or 0.79 inches per year. The region has two strike slip fault areas in Haiti, the Septemtrional-Oriente fault and the Enriquillo-Plantain Garden fault, which had not seen much movement in 250 years. The earthquake is believed to have only slightly relieved some of the built up stress from the constant movements of the plates.

Tsunami

Unlike the earthquake in the Indian Ocean which resulted in a massive tsunami that swept across the ocean, the Haiti earthquake resulted in a smaller wave. The Pacific Tsunami Warning Center did issue a warning shortly after the earthquake, but cancelled it soon after. It took two weeks after the earthquake to discover that a localized wave did in fact hit a small beach fishing town of Petit Paradis in which three people were swept out to sea. It is believed that this wave was caused by an underwater slide.                      

photo by: treesftf

Earthquake Survival Kit in a Can

Survival in a Can

Here is a simple way to begin your home preparedness plan.
Fill a plastic container with enough supplies to last you or your family for 72 hours.

Supplies for your grab-and-go bag

Choose a Container

Plastic containers come in all shapes and sizes, they’re water and rodent proof, and are fairly durable. Choose the size that suits you needs. Be sure container comes with a securing lid.

Top of Container:

2 quarts of water per person per day in durable containers, flashlight, portable
radio, first aid kit, first aid book, blankets or sleeping bags for each person, work gloves, dry chemical fire extinguisher, clock or watch, and a crescent wrench for turning off the gas main.

Middle of Container:

Include food items like: juices, peanut butter, crackers, nuts, dried fruit or raisins, a change of clothing (one per person) including foul weather gear. For sanitary supplies, include diapers, bleach, paper towels, and toilet paper. Store miscellaneous supplies such as candles, matches or lighter, hand operated can opener, batteries (wrap- ped in plastic), pencils, marking pens, paper for leaving notes. You may also want to include a good book, a couple of magazines, newspaper, crossword puzzles, and some simple toys.

Bottom of Container:

Canned foods that are eatable warm or cold, and pet food; cooking utensils, including Sterno, stove, fuel, cooking pot, paper plates, aluminum foil and garbage bags; tools such as screw- drivers, pliers, hammer, rope, wire, duct tape etc.

Label the container EMERGENCY SUPPLIES, and place the it in a safe and easily accessible place.

Modified from: The American Red Cross

Earthquake insurance

 Earthquake Insurance

If I don’t live along the fault line in California, Oregon and Washington, why would I need to consider earthquake insurance? That is a very good question so let’s share some facts about earthquakes. Although the west coast is an active earthquake area in the U.S., other hotspots are known for their activity. Nevada, Utah, and Wyoming, also in the west, but moving east there are known hotspots in Illinois, Missouri, Arkansas, Tennessee, Kentucky, South Carolina and much of Hawaii and Alaska.

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Mw 6.1 NORTHERN MID-ATLANTIC RIDGE Earthquake

Magnitude   Mw 6.1
Region   NORTHERN MID-ATLANTIC RIDGE
Date time   2014-07-27 01:28:38.4 UTC
Location   23.84 N ; 45.59 W
Depth   10 km

Source: European-Mediterranean Seismological Centre

Read more: http://www.emsc-csem.org/Earthquake/earthquake.php?id=392722

Mw 6.8 FED. STATES OF MICRONESIA REGION Earthquake

Magnitude   Mw 6.8
Region   FED. STATES OF MICRONESIA REGION
Date time   2014-08-03 00:22:03.5 UTC
Location   0.85 N ; 146.17 E
Depth   10 km

Source: European-Mediterranean Seismological Centre

Read more: http://www.emsc-csem.org/Earthquake/earthquake.php?id=393604

Mw 6.2 IRAN-IRAQ BORDER REGION Earthquake

Magnitude   Mw 6.2
Region   IRAN-IRAQ BORDER REGION
Date time   2014-08-18 02:32:05.5 UTC
Location   32.58 N ; 47.62 E
Depth   10 km

Source: European-Mediterranean Seismological Centre

Read more: http://www.emsc-csem.org/Earthquake/earthquake.php?id=395244

mb 6.0 HOKKAIDO, JAPAN REGION Earthquake

Magnitude   mb 6.0
Region   HOKKAIDO, JAPAN REGION
Date time   2014-08-10 03:43:16.3 UTC
Location   41.25 N ; 142.27 E
Depth   30 km

Source: European-Mediterranean Seismological Centre

Read more: http://www.emsc-csem.org/Earthquake/earthquake.php?id=394448

Mw 6.2 KEPULAUAN BARAT DAYA, INDONESIA Earthquake

Magnitude   Mw 6.2
Region   KEPULAUAN BARAT DAYA, INDONESIA
Date time   2014-08-06 11:45:24.7 UTC
Location   7.31 S ; 128.10 E
Depth   10 km

Source: European-Mediterranean Seismological Centre

Read more: http://www.emsc-csem.org/Earthquake/earthquake.php?id=394082

Mw 6.9 FED. STATES OF MICRONESIA REGION Earthquake

Magnitude   Mw 6.9
Region   FED. STATES OF MICRONESIA REGION
Date time   2014-08-03 00:22:03.5 UTC
Location   0.85 N ; 146.17 E
Depth   10 km

Source: European-Mediterranean Seismological Centre

Read more: http://www.emsc-csem.org/Earthquake/earthquake.php?id=393604

mb 6.1 FED. STATES OF MICRONESIA REGION Earthquake

Magnitude   mb 6.1
Region   FED. STATES OF MICRONESIA REGION
Date time   2014-08-03 00:26:42.6 UTC
Location   1.05 N ; 146.30 E
Depth   10 km

Source: European-Mediterranean Seismological Centre

Read more: http://www.emsc-csem.org/Earthquake/earthquake.php?id=393606

Mw 6.1 SICHUAN-YUNNAN-GUIZHOU RG, CHINA Earthquake

Magnitude   Mw 6.1
Region   SICHUAN-YUNNAN-GUIZHOU RG, CHINA
Date time   2014-08-03 08:30:14.1 UTC
Location   27.26 N ; 103.50 E
Depth   10 km

Source: European-Mediterranean Seismological Centre

Read more: http://www.emsc-csem.org/Earthquake/earthquake.php?id=393667

Mw 6.3 VERACRUZ, MEXICO Earthquake

Magnitude   Mw 6.3
Region   VERACRUZ, MEXICO
Date time   2014-07-29 10:46:15.2 UTC
Location   17.82 N ; 95.53 W
Depth   89 km

Source: European-Mediterranean Seismological Centre

Read more: http://www.emsc-csem.org/Earthquake/earthquake.php?id=393003

Mw 6.9 FIJI REGION Earthquake

Magnitude   Mw 6.9
Region   FIJI REGION
Date time   2014-07-21 14:54:41.4 UTC
Location   19.83 S ; 178.47 W
Depth   620 km

Source: European-Mediterranean Seismological Centre

Read more: http://www.emsc-csem.org/Earthquake/earthquake.php?id=391988