You don’t have to live in California or Chile to get your share of these unwanted quakes, and you don’t want to depend on government relief when it comes to earthquake damage. Often the government takes a very long time to respond and repair. When your property has been damaged, you’ll want quick attention. Many States are at a very high risk for an Earthquake.The vast majority of people living in seismic zones do not carry Earthquake insurance. Don't be one of them. Call for a quote!
Earthquakes strike suddenly, violently and without warning. Identifying potential hazards ahead of time and advance planning can reduce the dangers of serious injury or loss of life from an earthquake. Repairing deep plaster cracks in ceilings and foundations, anchoring overhead lighting fixtures to the ceiling, and following local seismic building standards, will help reduce the impact of earthquakes.
Ways to Plan Ahead
Check for Hazards in the Home
Fasten shelves securely to walls.
Place large or heavy objects on lower shelves.
Store breakable items such as bottled foods, glass, and china in low, closed cabinets with latches.
Hang heavy items such as pictures and mirrors away from beds, couches, and anywhere people sit.
Brace overhead light fixtures.
Repair defective electrical wiring and leaky gas connections. These are potential fire risks.
Secure a water heater by strapping it to the wall studs and bolting it to the floor.
Repair any deep cracks in ceilings or foundations. Get expert advice if there are signs of structural defects.
Store weed killers, pesticides, and flammable products securely in closed cabinets with latches and on bottom shelves.
Identify Safe Places Indoors and Outdoors
Under sturdy furniture such as a heavy desk or table.
Against an inside wall.
Away from where glass could shatter around windows, mirrors, pictures, or where heavy bookcases or other heavy furniture could fall over.
In the open, away from buildings, trees, telephone and electrical lines, overpasses, or elevated expressways.
Educate Yourself and Family Members
Contact your local emergency management office or American Red Cross chapter for more information on earthquakes. Also read the "How-To Series" for information on how to protect your property from earthquakes.
Teach children how and when to call 9-1-1, police, or fire department and which radio station to tune to for emergency information.
Teach all family members how and when to turn off gas, electricity, and water.
Have Disaster Supplies on Hand
Flashlight and extra batteries.
Portable battery-operated radio and extra batteries.
First aid kit and manual.
Emergency food and water.
Nonelectric can opener.
Cash and credit cards.
Develop an Emergency Communication Plan
In case family members are separated from one another during an earthquake (a real possibility during the day when adults are at work and children are at school), develop a plan for reuniting after the disaster.
Ask an out-of-state relative or friend to serve as the "family contact." After a disaster, it's often easier to call long distance. Make sure everyone in the family knows the name, address, and phone number of the contact person.
Help Your Community Get Ready
Publish a special section in your local newspaper with emergency information on earthquakes. Localize the information by printing the phone numbers of local emergency services offices, the American Red Cross, and hospitals.
Conduct a week-long series on locating hazards in the home.
Work with local emergency services and American Red Cross officials to prepare special reports for people with mobility impairments on what to do during an earthquake.
Provide tips on conducting earthquake drills in the home.
Interview representatives of the gas, electric, and water companies about shutting off utilities.
Work together in your community to apply your knowledge to building codes, retrofitting programs, hazard hunts, and neighborhood and family emergency plans.
What to Do During an Earthquake
Stay as safe as possible during an earthquake. Be aware that some earthquakes are actually foreshocks and a larger earthquake might occur. Minimize your movements to a few steps to a nearby safe place and stay indoors until the shaking has stopped and you are sure exiting is safe.
DROP to the ground; take COVER by getting under a sturdy table or other piece of furniture; and HOLD ON on until the shaking stops. If there isn’t a table or desk near you, cover your face and head with your arms and crouch in an inside corner of the building.
Stay away from glass, windows, outside doors and walls, and anything that could fall, such as lighting fixtures or furniture.
Stay in bed if you are there when the earthquake strikes. Hold on and protect your head with a pillow, unless you are under a heavy light fixture that could fall. In that case, move to the nearest safe place.
Use a doorway for shelter only if it is in close proximity to you and if you know it is a strongly supported, loadbearing doorway.
Stay inside until shaking stops and it is safe to go outside. Research has shown that most injuries occur when people inside buildings attempt to move to a different location inside the building or try to leave.
Be aware that the electricity may go out or the sprinkler systems or fire alarms may turn on.
DO NOT use the elevators.
Move away from buildings, streetlights, and utility wires.
Once in the open, stay there until the shaking stops. The greatest danger exists directly outside buildings, at exits, and alongside exterior walls. Many of the 120 fatalities from the 1933 Long Beach earthquake occurred when people ran outside of buildings only to be killed by falling debris from collapsing walls. Ground movement during an earthquake is seldom the direct cause of death or injury. Most earthquake-related casualties result from collapsing walls, flying glass, and falling objects.
If In a Moving Vehicle
Stop as quickly as safety permits and stay in the vehicle. Avoid stopping near or under buildings, trees, overpasses, and utility wires.
Proceed cautiously once the earthquake has stopped. Avoid roads, bridges, or ramps that might have been damaged by the earthquake.
If trapped under debris
Do not light a match.
Do not move about or kick up dust.
Cover your mouth with a handkerchief or clothing.Tap on a pipe or wall so rescuers can locate you. Use a whistle if one is available.
Shout only as a last resort. Shouting can cause you to inhale dangerous amounts of dust.
Recovering from an Earthquake
Protecting Yourself & Your Family
First, check to be sure that no one in the family is injured. Start first aid immediately if injuries are found.
Be prepared for aftershocks which are normal following an earthquake.
Stay away from beach areas because of the danger of tsunamis (large seismic sea waves).
Protecting Your Property
Check utility lines and appliances for damage. If you smell gas, open the windows and turn off the main gas valve. Do not turn on electric lights or appliances until the gas has dissipated. They can cause sparks that might ignite the gas. If electric wires are shorting out, turn off the power.
Clean up flammable liquids inside buildings.
Check to see that sewage lines are intact and working before flushing toilets.
Check chimneys for cracks or other damage before using them.
Notify your insurance agent or company representative as soon as possible. If you have vacated the premises, make sure your representative knows where to contact you.
Take pictures of damaged property and keep notes. Use pictures and inventory lists to help your insurance agent and adjuster assess the damages.
Don't be rushed into signing repair contracts. Deal with reputable contractors. If you're unsure about a contractor's credentials, contact your claims adjuster, Better Business Bureau or Chamber of Commerce for referrals. Make sure the contractor you hire is experienced in repair work - not just new construction. Be sure of payment terms and consult you agent or adjuster before you sign any contract.
Let Jeff Bergman - River Valley Insurance Services help you choose a policy that will fit your individual needs. Protecting your assets, whether personal, business, or both, is our goal. A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils. We’re here to help when you are considering Earthquake insurance.