Connect with us


Do We Need An Earthquake Insurance Policy?

If we are living on top a tectonic fault, there is more than a small probability that at least a medium-intensity earthquake will happen in the next thirty year. In fact, there could be a near 90 percent chance that these regions will be affected by at least 6.5 magnitude quake in the next three decades and probably bigger. We will be more than feel a big jolt and it is quite likely that we will experience some amount of damages or even casualties. There is a varying degree of earthquake shaking and fault movements that can affect us. The actual tremors are not the only cause of damages. Soil liquefaction and landslide could happen during an earthquake, especially when rain has occurred recently and the soil is inundated by water. Landslide could take place on slopes with larger angles. Also many businesses and homes are built on sand-based soils and they could experience a phenomenon called as liquefaction. In this case, the soil would become more like jello and the earthquake’s movement will be amplified the longer it occurs. In this case, the house will experience longer shakes that it supposes to.

Due to the liquefaction phenomenon, it is important to make sure that our house is built on more solid type of soil. If our house is located in sand-based soil, it would be a good idea to immediately look for home insurance that covers many risks, such as flood, landslide, fire, earthquake and others. In reality, some insurance providers don’t really check the condition of our soil, so it is possible to get an earthquake insurance with standard premium. Fortunately, there are ways we can do to check whether our home is build on a rather shaky kind of soil. We could look for maps of soil type from the local geological agency. We should make sure that we know what kind of soil our home is located. Finding our location on the map should be easy. The agency could also provide maps with fault zones shown on them. It should be a good idea to know whether our areas are potentially landslide-prone. If we are far away from the fault lines and there are no historical records of large earthquake in our area, than we may not need an earthquake insurance at all.

One thing that we may need to consider is whether we could immediately contact the insurer when an earthquake does happen. In this case, we need to immediately assess the damages and document them. We may use our digital camera and take dozens of detailed photographs of the interior. As an example, when we enter a room, we should take pictures of all sides, so the insurer knows about the real condition of our house. This will allow faster claim process, especially if the insurer is unable to send an evaluator immediately due to the increased number of claims after an earthquake occurs.

Continue Reading

Recent Posts

Home Improvement3 weeks ago

How To Add More Value To Your Home

If you have some spare cash in the bank, it is likely you would like to spend it on your...

Lifestyle3 weeks ago

What is a Deep Plane Facelift

Cosmetic surgery is a choice that needs a lot of research and when it comes to thinking about a facelift...

Entrepreneur3 weeks ago

Unveiling the Demand for Digital Marketing Courses: A Comprehensive Analysis

In recent years, the realm of marketing has undergone a seismic shift propelled by the digital revolution. As businesses increasingly...

Home Improvement1 month ago

What Does an Effective Wardrobe Spring Clean Entail?

Spring is upon us which means one thing and one thing only. It is time for the annual purge of...

Business3 months ago

Your Basic Guide To Creating A Unique Investment Blog

Starting your own blog is great and once you get the ball rolling, it can be a good passive income...

Business3 months ago

3 Low-Risk Ways To Get Your New Business Started

Once you’ve got an initial business idea and believe that it will be a success, there are some basic things...

Lifestyle3 months ago

Conquering the Co-free Zone: Tips for Thriving as a Remote Worker

Adjusting to an office environment can come with its downfalls in the sense that it might be a shock to...

General4 months ago

3 Ways To Take Control Of Your Finances Starting Now

If your finances have taken over and are bringing stress to your life, we understand just how overwhelming it can...

Travel6 months ago

Best Places To Visit In The North Of England

If you live in England, you will know there are many different places to visit for the weekend. There are...

General6 months ago

Green Home Improvement Ideas

In a world where environmental concerns are growing, the concept of “green” has gone beyond a trendy catchphrase and is...

Lifestyle6 months ago

How to Host an Unforgettable House-Warming!

The time has finally come. You have moved into your dream pad, and are officially adulting in your very own...

Autos6 months ago

A Guide to Parking Lot Striping

The journey to a well-striped parking lot begins with the right paint. In this brief guide, we’ll unravel the mystery...

Business9 months ago

Business Tips For Protecting Your Finances During A Recession

In 2023, taking the necessary steps to protect your finances for your business is now more important than ever. The...

Lifestyle9 months ago

Tips For Cleaning Your Trainers

If you’re into your trainers and streetwear, you’re likely to be very conscious of keeping them looking their best! So,...

Marketing10 months ago

Branding Trends For Start-Ups in 2023

Branding is incredibly important as it impacts how your business reaches and connects with its target market. If you’re branding...