In California, the land moves underneath you

By
Real Estate Broker/Owner

Yes, I'm talking about the wonderful earthquakes we have here in beautiful California.

I'm not a scientist so I'm not going to explain how earthquakes work, but I can tell you from the usgs.gov site that earthquakes are actually a daily event. Most are too small to feel and some give a bit of a jolt.

I wasn't here for the Loma Prieta quake, but I've seen pictures of the damage it did. It was wide scale and fairly costly. Why am I writing about earthquakes? Because I think that too few homeowners think about the necessary steps to prepare and protect themselves in the event of an earthquake.

Did you know that your homeowners insurance DOES NOT cover earthquake? Check with your agent. In California, it is mandatory to offer earthquake insurance if you purchase a homeowners policy (or dwelling policy).

I'm not going to go into details on how earthquake insurance works and what the premiums are going to be. I can tell you that coverage isn't restricted to homeowners. Condo unit owners can purchase earthquake coverage for their contents, structure that is their responsibility, loss of use and loss assessment. Small to medium size business owners can also purchase earthquake insurance and include loss of income or loss of rents. Please check with your insurance agent about this. If he doesn't know what you're talking about, run and find the next agent that knows something about earthquake coverages and policy information.

Here's a few sites of interest:

Putting Roots Down in Earthquake Country

USGS.gov's Earthquake site

FEMA's Earthquake site

California Earthquake Authority

Comments (1)

Kirk Williams
Private Venture Capital - Everett, WA

EARTHQUAKE STORY! I live here in the Pacific Northwest and we get our share of earthquakes (and occasional volcano) around here too. I was watching a Sonic game (this was many moons ago) and the old 1914 Farm house we lived in started to shake rattle and roll!

For some reason I stood up then got in a crouch position with hands on my knees (no reason makes no sense) and continued to watch what was a very good game.

At the time we had a pet bird (a little parakeet) that was allowed to fly around where he wanted to so of course when the house was shaking the bird is flying around and around the room and my wife is shouting get the bird get the bird and of course my response is the bird is fine in the air - we are the ones that are shaking! Sonics won the game, bird was fine, my wife and I to this day joke about get the bird, get the bird!

Yes, stupid story but it is your fault, (no pun intended) you brought up the earthquake thing!

Feb 17, 2008 04:06 AM