Car insurance and earthquakes

Large earthquakes may be a rare occurrence compared to other natural disasters, but they can cause major damage if they happen. In 2014 the value of insured damages was $150 million.

A large part of the destruction was because of the ground shaking. It can result in damaged roads, broken cars, damage to garages and other buildings, broken pipelines, landslides, rock falls, and more.

If you have the right car insurance coverage, you can be happy knowing your auto insurance will help you repair your car if it is damages because of an earthquake.

 

But you need to be sure that you insurance covers damages caused by earthquakes. You should contact your insurance company and find out if you are insured.

Read more at AIS Insurance about auto insurance and earthquakes or at Bilforsikring. Cars.com also has a good article about earth quakes and car insurance.

Secure Your Family’s Safety with Emergency Earthquake Kit

Earthquake is one of the most disastrous natural calamities. Unlike hurricane, we can never tell when an earthquake will occur. Despite the latest technologies and our scientists’ ability to measure movement of earth, we’re still limited in terms of detecting the exact place and time when earthquake will strike.

As time passes by, earthquakes occur more frequently in many parts of the planet. Even the most advanced countries are not safe from earthquake’s wrath. It is a natural event and it can happen anytime. For this reason, it is very important for all of us to be well-prepared. An emergency earthquake kit would be very helpful as it contains everything that you’ll need in order to survive for days, enough until the rescuers find you.

In facing earthquake and other natural disasters, education and information dissemination is of utmost importance. Once you’ve heard news about abnormal ground movements reported by the authorities, you should tell your loved ones about it. It would be great if you’ll be able to educate them about earthquake preparedness. Children tend to get easily scared by unusual events and as a parent; you must talk to them and tell them what to do in case of earthquake.

Preparing your earthquake kit

Today is the perfect time for you to prepare your emergency earthquake kit. An emergency kit is simply a collection of things you’ll need in case of emergency. You have to keep in mind that there might be an earthquake anytime soon and the best way to protect your family is to get your kit ready.

According to experts, we have to be self-sufficient in order to survive for at least seven days. Most kits today have supplies which can last for at least three days. Local officials will be there after the disaster but you need to remember that they can’t help everybody immediately.

Here’s a complete list of things you must have in your home emergency kit:

1. Canned food

2. First aid kit

3. Earthquake handbook

4. Can opener

5. Medicines

6. Extra set of house keys

7. Extra set of car keys

8. Fire extinguisher

9. Toiletries

10. Water

11. Sturdy shoes and clothing

12. Knife

13. Paper towels

14. Rope or wire

15. Tool kit

16. Pen and paper

17. Matches or lighter

18. Plastic bags

Earthquake kits in the market

Despite the fact that an emergency earthquake kit is very easy to prepare, it’s still possible for you to buy commercial kits in the market. Today, more and more people go for commercial emergency kits because it helps them save time and effort.

If you’re planning to prepare or buy your kit, you have to do it today. Over the internet, you can find a number of low cost but high quality earthquake kits. These kits are safe to be stored for 5 years or more. There are kits especially prepared for house, offices, schools and even cars. You can also buy accessory earthquake kit which contains an emergency power-failure light.

To get the best commercial earthquake kit, try to go online and read blogs about earthquake survival. You can also tap the social media to learn about the latest innovations in emergency preparedness. Look for a credible site which offers the best reviewed earthquake kits in the market.

Factors to Consider When Choosing an Earthquake Kit

An earthquake is one of the most dangerous disaster that can make the rest of your completely messed up. Commonly during this time, you are advised to evacuate your homes for a considerable amount of time until when the state of normalcy is restored. Therefore, there is the importance of having an earthquake kit readily available in your house. The best and ideal kit for this kind of disasters should have adequate supplies required to hold the whole family members at least for 72 hours of survival.

Apart from the most basic needs such as water and food supplies, there is a need for other crucial and necessary items like medications, first aid kits, flashlights, sanitary supplies, radios, toiletries just to name some. Ensure you keep these items in a place, which is more convenient to locate for every member of the family. In addition to this, it is also important to keep separate earthquake kits in your office, home and even in your car.

You can either decide to purchase a ready-made kit or just decide to collect your own earthquake kit. However, choosing a ready-made kit is better since they normally contain all the necessary items in it. Once you have it, you can decide to customize it the way you want and you can also add some items that you see are necessary and important to you in case of an earthquake. Below are some important tips to follow when buying an earthquake emergency kit:

1. Size

The size of the kit that you want to buy matters a lot and it’s therefore important to consider and determine the size of the kit you are buying. There are a variety of kits available for disasters like an earthquake. They also come in different sizes giving you a wide selection to choose from; for instance, there are single-serve and big family size types of earthquake emergency kits.

2. Durability

This also another vital factor that you should not forget when buying an ideal kit for earthquake disasters. Therefore, it is recommendable to check and determine the shelf life of the kit and only buy that with a considerable long self-life. It the price might be very expensive initially but it’s the best investment in the long run.

3. Cost/budget

The cost is also another crucial factor that counts a lot when it comes to choosing your preferred kit. When planning to buy earthquake emergency kit, consider to budget for three of them, that is, for your home, office, and car. Therefore, determine your own fixed budget for the three separate kits. The cost also determines the type of item to buy and it is important to know the type or size of the kits you want before going for them in order to plan well.

4. Functionality

It is also important to check the items to ensure that they are in good working conditions. Determine whether their functionality can adequately sustain the entire family members in case of any disaster. If you decide to shop online, read their product description carefully.

In conclusion, with the above-discussed factors to consider when buying earthquake kit properly followed, you are assured of getting an ideal product suitable for you and your family members during earthquake disasters.

4 Survival Tips You Should Use Alongside Your Earthquake Emergency Kit

If you live in an earthquake prone area and you don’t have an emergency plan, you risk losing ”You”, your family and your possession in the event of a serous hit. In the U.S for example, California is one state most prone to earthquakes. But there are other areas prone to earthquakes as well. Geologists and seismologists predict a 97% chance of a major hit in the new Madrid seismic zone of central America namely Arkansas, Tennessee, Missouri and Kentucky between now and 2035. Unfortunately, studies show that 40 percent of individuals living in earthquake prone areas don’t have a family emergency plan.

But during a major earthquake, you’ll hear a rumbling or roaring sound that gradually grows louder. But you may also feel a rolling sensation that starts out in a gentle manner and within 2 or 3 seconds, grows violent. Sometimes you may even be jarred by a violent object. Seconds later, it may be shaking to the point that you lose balance and you’re not able to move from one place to the other.

Don’t think that you’ll survive by chance or luck. The real key to survival is through planning, preparing or practicing what you and your loved ones will do in the event that it happens. One way of preparing adequately for such an occurrence is by having an earthquake emergency kit handy.

If you’ve never experienced one, you might never know what it means to encounter one. However, for those who know what it is, the following points might be helpful to add to whatever you already have.

1 Purchase an all-in-one earthquake emergency kit

Not only will it save you time, but it’s also convenient. Most of these kits have a capacity to accommodate 2 people, depending on how the package has been designed. They have enough food supplies (food bars), emergency blankets, water, first aid kit etc. A good kit should take you for at least 3 days.

2 Find extra water and food

An earthquake emergency kit should act as your starting point. Depending on your family’s needs, you may want to tag along extra supplies of essentials. For example, many of these kits don’t have enough water, and an adult needs 1 gallon of water on a daily basis. But this is just for an average person–older people, nursing mothers or those living in hot climates may require more drinking water. Because your emergency plan should cover at least 3 days of potential outage, it would be a good idea to load your reserves with extra water. Bottled water is often labeled with the expiry date on the outside of the package, but this is often for stock keeping purposes. As long as the bottle stays sealed, the water has an indefinite shelf life. In fact FDA says that this water may taste a little bit off, but it’s safe to consume.

3 Flashlights

Flashlights get lost very easily, especially smaller ones. So buy several of these and everyone in the house should have one on their bedsides. LED flashlights are portable and inexpensive, so invest in several of these.

4 Store multiple emergency kits in different places

The last thing you’d want to do when an earthquake strikes is waste time looking for your emergency kit. Collect all the things you may need and keep in a secluded place, in a backpack. But sometimes it might strike when you are not home, or worse still, the kit may be unreachable, so it’s important that you keep some in the car and at work.

Being prepared means having basic things handy. It could mean the difference between someone who dies of thirst and someone who survives because they had an extra bottle of water to quench their thirst.

Earthquake Kit Checklist

If you live in an earthquake prone area, you have probably experienced the occasional tremor. If you haven’t been through a major earthquake yet, you may take them for granted. What if a big earthquake strikes though? You need to be prepared. Power and water services could be interrupted for days or weeks, depending on the severity of the event, which means you will need to be prepared with some basic survival needs. Below is an earthquake kit checklist to help you prepare for potential disaster.

 

WATER

After an earthquake it may be difficult or impossible to find clean, safe drinking water. Because the human body can survive longer with food, but only a few days without water, it is the most important part of your survival kit.

· At a minimum, you need at least three days of water for each person in your family.

· Be sure to have at least a gallon of water per person per day.

· Women who are pregnant, or nursing, as well as children, may require more water per day.

· Be sure you have enough extra water in case of a medical emergency.

· If you live in a hot climate, you may want to increase the water by double.

· Unopened commercially bottled water is recommended by the government

· You can also buy water purification tablets to ensure your drinking water is safe.

· If bottling your own water, either buy food grade water storage containers or use 2 liter soda bottles.

· Never use plastic jugs that have had juice or milk in them. The sugars and proteins can’t be adequately removed to prevent bacterial growth.

· Thoroughly wash container with dish soap and rinse completely before filling your containers.

· If using your own containers, replace your water supply every 6 months.

 

FOOD

As with water, you should have a three day supply of food per person. Some powdered drink mixes have calories and protein, such as whey protein powder. They take up little space making them ideal for disaster kits. You also need to be sure you have a variety of non-perishable foods that don’t need to stay cold. Store food that doesn’t need to be heated; even if you have a camping stove, you would need to expend water to wash it so it’s best to keep foods that don’t need cooking.

· Honey never expires, and has natural sugars, vitamins, and minerals such as B6, thiamin, riboflavin, pantothenic acids, calcium, iron, niacin and more.

· Canned and sealed jar foods that are high in protein and vitamins such as beans, vegetables, and peanut butter.

· Whole grain cereals are light weight, don’t take up a lot of room, and are high in necessary fiber.

· If you have an infant, be sure to have formula in the kit.

· Be sure you have a can opener and eating utensils.

· Do not bring salty snacks or crackers – they will dehydrate the body and put a strain on your water supply.

 

OTHER SUPPLIES

There are several other items that round out the earthquake kit checklist that are essential for your survival after a disaster. Be sure you have all prescription medications your family takes, as well as a spare hearing aid or pair of glasses for anyone that wears them (including for contact lens wearers – you may not be able to adequately clean the lenses). Below are some other items you should keep in your kit.

 

· Diapers for infants

· Pet food and extra water

· Water proof container with important documents and records, list of allergies, photos of everyone in your family in case you get separated

· High quality first aid kit with enough supplies for everyone in your family, plus at least 1 person. (So for a family of three, you need a 4 person kit.)

· Feminine supplies and basic hygiene products

· Sleeping bag for each person (or a warming blanket)

· Household chlorine bleach with an eyedropper can be used at a ratio of 9 parts water to 1 part bleach for disinfectant.

· Waterproof matches

· Battery operated radio

· Flashlight

· Extra batteries

· Dust Masks for each person – if using disposable ones be sure you have several per person

· Clean socks, warm clothes, sturdy shoes for each person

Having all of the above items in your earthquake disaster kit will ensure your family makes it through at least 3 days without power or running, clean water. Sometimes power can take longer than three days to restore though, so you might consider adjusting the amounts of items up to at least a week, and be sure you have water purification tablets on hand in case it runs longer than a week.

 

Earthquake Safety Kit – Must Have For Survival Of Your Family

Nature can act furious sometimes and therefore, it is important to keep us prepared to deal with all kinds of natural disasters. Irrespective of early warning and sign, preparing for unexpected disasters like earthquake is the first step towards you and your family’s survival.

No matter which geographical area you live in, there’s always a potential risk for natural disasters such as earthquakes, wildfires, floods, hurricanes and tornadoes. However, out of all the disasters, earthquake is the one which occurs suddenly without any prior warnings. So how should you deal with it? What measures should you adopt to be able to survive, during and after the occurrence?

The first step is to prepare an emergency earthquake safety kit. You can either choose to buy a readymade emergency kit from a reliable company or simply prepare your own customized kit. In the event of a sudden disaster, we cannot rely completely on emergency arrangements made in neighborhoods and societies. We need something more personal and handy, which can help us survive at least three days, until the life gets back to normal. Given the fact that in the event of a major disaster, utility stores and financial institutions will be completely shut and buildings may become too dangerous to use. Therefore, it is crucial to be self-sufficient by keeping full-fledged emergency survival kits in your home, car, office and school.

What Is Included In An Earthquake Emergency Safety Kit?

Ready-made earthquake safety kits are provided with set of essential supplies that have been organized with great consideration and experience by the experts. A typical earthquake kit contains:

1. Water container

2. Water purification tablets

3. Food bars

4. Artificial Lights with batteries

5. Radio

6. Portable toilet

7. Sanitary bags

8. Solar blankets

9. Universal mobile charger

10. First aid kit

It is important to consider the needs of each individual in the family and customize each kit according to their individual requirements. You may also buy separate customized emergency kits for each member of the family. There are different safety kits for pets that contain all the necessary food and essential sanitary items for pets.

Natural disasters cannot be escaped, no matter how hard a person tries. Earthquake is the most disastrous forms of this fury. People who live in earthquake-prone areas should always be prepared mentally and physically to deal with the after consequences of unwanted quakes. The occurrence of the event can even cut you off from the basic needs resources such as electricity, food supply, water, shelter and money.

Emergency earthquake safety kits are essential. These kits can help you cope with any kinds of calamities, whatsoever. After earthquakes of higher magnitude, it normally takes up to 3 days for any kind of rescue team or help to arrive and restore the life back to normal. Pulling off those 72 hours can be difficult in the absence of food, water, shelter and necessary medications. You can store your earthquake kit in an easily accessed area. Also, ensure all the members of the family are aware of the place and appropriate procedure to follow in the event of an earthquake.

Importance of Earthquake Kit List and Supplies

Disasters are often sudden, and devastating. They do catch many people unawares. Even the times we have had prior warning, the intensity may be more than expected, delivering a more devastating punch. One of the most common and devastating disaster are earthquakes. They result to detrimental results such as damaged houses, deaths, injuries and interruption of the public utilities like power and water supply. The various items and amenities that we often take for granted like running water, power, and communication devices are suddenly unavailable. There is need to have an earthquake kit list and supplies for such unfortunate events.

Components

The following are the primary components of an earthquake kit list

Food and water: The recommended amount is one gallon per person per day. Include ready-to-eat food and energy bars. Alternately include food that requires little water and preparation methods.Plates and utensilsContacts: Include the certified and regular copies of your important documents plus a list of your close family and friends contactsPersonal hygiene items: This includes First Aid kits and the accompanying manual, toiletries, prescription copies, disinfectant and feminine hygiene suppliesLights and communication items: this includes radio, extra batteries, emergency radios, flashlights, whistles and two-way radiosClothing and shelter: this includes complete change of clothing for each family member, sturdy shoes, rain gear, sleeping bags and a tent.Emergency numbersWater purification products and a compact filterMiscellaneous items such as Duct tape, manual can openers, sharp knife, sealable plastic bags, and combination gadgets such as a Swiss knifeAids for children and people with special needs in the family

Useful Tips

Though the above items may seem quite many, each individual component comes in handy during an earthquake aftermath. Experts recommended that you use the smaller units of each component, for example, the small variations of the hygiene items, akin to those used in the hospitality industry. Alternately, break down the kit into smaller units for easier handling. The primary unit should be the food and water supply. You can then move on to the beddings, and the first aids kit, followed by the rest of the components. To ensure that all the items are included, divide the items into defined units such as food, medical supplies, hygiene and aiding items such as items. The separate units should be ready to go on less than ten minutes. The following tips will help in organizing and maintain the earthquake kit list.

Divide the items into small unitsKeep the food and water away from extreme temperatures. Avoid locations where they will freeze or become too hot.Store the kits in an easily accessible location. Record the indicated expiration dates for the food, and the medication supplies. When the expiration date arrives, before usage, replace with fresh supplies.The primary place to store the kit is the place you spend most of your time. The intended location determines the size of the kit and contents most people prefer to have similar kits, albeit in different sizes, in the commonly used areas such as home, car and the workplace. This is more so for areas that are prone to earthquakes.

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

How to prepare emergency survival kits

Being able to survive when an emergency arises becomes the primary quest for everybody. Emergencies created by natural disaster are so severe in nature that it becomes very difficult to survive without some tools, equipment and supplies. This happens because of the destruction of the essential resources required for living. Getting an emergency kit ready in advance is a significant and instrumental step towards preparedness for various disasters and accidents.

Emergency survival kits are simply a collection of basic tools, equipment and supplies prepared in advance to counter an emergency. It is very important to know about the essential items which can support life in diverse situations. Knowing their advantages and uses are also a part of preparedness for emergencies. The events like earthquake not only destroys the life but also affect various basic structures needed by humans like water supplies, food storage etc. In these situation shelters of people also gets devastated and it becomes very difficult to counter the challenge put forward by nature. The worsened climatic conditioned like extreme heat or rain also affect the human life very adversely. Moreover being able to spend the night time poses another challenge as the need for shelter from weather, insects and animals is also felt.

Before preparing emergency survival kits there are various things which should be kept in mind. It is very necessary to prepare a kit according to the disaster most common to a particular area. This way we will have different kind of kits for different disasters. The very first thing to be included in an emergency kit should be water and food. We can have 1 gallon water per person per day and non-perishable, easy to prepare food items for at least 1 week. Self-powered Flash lights and self-powered radio should be the next priority. First aid kit with sufficient amount of Band-Aids and antiseptic cream should also be included in it. Medication for normal diseases like fever, cold cough can also be kept in the first aid box along with pain killer tablets and injections. In today’s date cell phones, maps, and extra batteries are also some important items to be carried with emergency survival kits.

Sanitation and personal hygiene item also play an important role in disease prevention in the situations of disaster or accidents. Moreover putting a warm and yet light blanket in your kit should also not be forgotten. If you have motor vehicles like bikes or cars then you must have at least two sets of keys so that if one set is lost in the mishap then the other set can be utilized. Sometimes toilet papers and other large rubbish bags also turn out to be useful and necessary. It should also be noted that having the necessary tools is not enough in situations of natural disaster, but we must also know how to use them efficiently. The skill set to use the resources available should also be learnt so as to survive longer with minimum needs and requirements. Lastly, you can use your practical intelligence to take the decision towards your survival even in the worst of condition.

Earthquake Disaster Kit

Be Prepared To Improve Your Chances Of Survival

In the recent times, there have been many unexpected series of natural disasters. Normally, most of the disasters are preceded by some of the warnings, but the scenario is completely opposite when it comes to an earthquake. Apparently, an earthquake can occur anywhere around the world, without giving off any early warning signs. It will do so with surprising suddenness, leading to profound damage to the life and property. In fact, it has been estimated that every year millions of earthquake take place at some or the other part of the world. Some of these can even be potential life-threatening. Thus, it is important to make sure that you make yourself and your family prepared to deal with such sudden disasters. Earthquake disaster kit should be the first step towards preparedness.
An earthquake emergency kit can improve your and your family’s chances of survival up to a great extent. With the help of these kits, you can survive for many days, even if you’re completely cut off from the world around you. Earthquake emergency kits are available for home, as well as cars so you can be sure of your well being during the time of the occurrence of the disastrous event. Also, it is a good idea to have separate kits for your home, office and car, so you can use them as per your disposal.

Earthquake Kits for Home Use

This type of kit should be prepared in such a way that it is able to support you and your family for several days during and after the earthquake. It should contain all the necessary supplies of food, water, medication, clothing and sanitation. Having the proper nutrition during such disasters is important for the survival. You can find a specific kind of emergency foods from any departmental stores and readymade kits. These kinds of food items are prepared keeping in mind the body requirements during such events. Also, they have better shelf life as compared to normal or daily use processed food.

A perfect earthquake disaster kit for home should also contain sanitation and first aid items. Injuries are common during disasters. Minor injuries can be treated with first aid box. Let’s take a look at the list of other things your kit for home use should contain:

· Artificial lighting

· Emergency shelter,

· Means of communicating like radio, transmitter

· Sleeping bag

· Personal hygiene items

· Tablets to preserve water

· Blankets

· Food bars

 

Earthquake Kits for Cars

It is important to keep another set of disaster kit in your car and office. The earthquake can take place suddenly without any prior warnings. You could be driving in your car during the event. Thus, it is advised to have one in your automobile. Besides putting in everything mentioned in the above list, it is also important to add other important equipments for those who get stuck in their automobiles. The list includes:

· Communication

· Emergency food

· Water

· Emergency shelter

· First aid supplies included

· Necessary medications

Although, the supplies depend upon the size of the kit and the family, it is advised to make sure that the quantity of supplies is able to confer the needs of your family members for at least 3 days. A well prepared earthquake disaster kit can make a great difference between life and death. Thus, make sure you take this responsibility very seriously.

 

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