Earthquake Raises Coverage, Preparation Awareness

Earthquake Raises Coverage, Preparation Awareness http://learningcenter.statefarm.com/residence/insurance-2/earthquake-raises-coverage-preparation-awareness/ bb3 Nov 8, 2011

By Holly Anderson, Editor in Chief

The 5.6 magnitude earthquake that shook Oklahoma towns over the weekend is a reminder earthquakes can strike at any time and without warning.

Standard homeowners' and commercial property insurance policies don't cover earthquake damage. Homeowners must purchase coverage as an endorsement to homeowners' coverage.

Many insurance companies place moratoriums on new coverage after a strong earthquake, while damage is being assessed. Don’t wait until an earthquake strikes to think about purchasing coverage. Contact your provider today to learn more.

The earthquake that struck Lincoln County, Oklahoma Saturday night was the strongest earthquake ever recorded in Oklahoma, according to the U.S. Geological Survey.

If you live in an earthquake-prone area, check your insurance coverage to make sure you’re protected from the unexpected.

Protect Your Home

There are several steps you can take to help secure your home and property before an earthquake.

Structure: To minimize earthquake damage to your home, be sure your house is bolted to the foundation. Inspect the foundation, roof, and chimneys for cracks and other structural problems. For more information about earthquake-resistant construction, check with your local building department, contractor, or architect.

Appliances: To minimize the risk of fire and flood, strap your water heater securely to the wall, and use flexible connectors for all gas and water supplies. If you notice faulty wiring, contact an electrician to make necessary repairs.

Furnishings: During an earthquake, falling and flying objects present a clear danger to a building’s occupants. Attach tall furniture, bookcases, and refrigerators to walls. Also, make sure mirrors, picture frames, hanging plants, and lamps are mounted securely. Keep beds away from glass or any hanging object that might fall, and install sturdy latches on cabinet doors.

For more earthquake tips, visit Learning Center.

Do you have earthquake safety tips to share? Please leave a comment.

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