One question we often get is, “Why are my premi...
We don’t know when it will happen, but it does: the ground rattles beneath your feet, family photos fall from the walls, and you brace yourself, not knowing when the earthquake will end. Earthquakes are increasingly becoming a routine occurrence in California, and the damage can be devastating.
Just last week, a magnitude 7.1 earthquake struck Southern California. Families were on edge as fires erupted in the small town of Ridgecrest, groceries crashed from store shelves, and roads closed. While no deaths were reported--this time--the financial damage was extensive and several people were injured.
To safeguard yourself and your loved ones, you must understand how to prepare for an earthquake and what to do if one strikes. In this article, we provide helpful information that can help prevent or mitigate injuries if you ever find yourself with the ground shaking beneath you.
The most important thing that you can do to ensure safety during an earthquake is to plan ahead. Josh Rubenstein, the spokesperson for the Los Angeles Police Department, has even said, “Don’t be paralyzed by fear. Arm yourself with knowledge and a plan. Talk about what you would do when a big one hits. I myself just did that with my daughter and my wife.”
To properly prepare, you’ll want to check for hazards in your home, create an earthquake safety kit, and establish an emergency communication plan.
Earthquakes strike without warning. When it happens, you won’t have time to remove items from the walls or shelves to make sure that they don’t fall and break. By identifying potential hazards ahead of time, you can minimize the risk of injury or death to yourself and loved ones.
To help safeguard your home during an earthquake, we recommend the following:
Because of the intense damage earthquakes can cause, after one strikes, you may have limited access to food, water, and other life necessities. You can limit the impact on you and your family by having a disaster supply kit to meet you and your family’s basic needs for at least 72 hours.
You’ll want to be sure your disaster supply kit includes the following:
To get the most out of your disaster kit, be sure to store it in a safe place that’s easily accessible during an emergency. Make sure that all of your family members know where the kit is located.
With the chaos that can ensue after a natural disaster, you’ll want to establish a plan with your family in the event that you’re separated from one another. Make a plan on where you’ll meet, including where you’ll meet if some family members are at work or school. You should also designate an out-of-state relative or friend to serve as a family contact. When a disaster hits your state, it can oftentimes be easier to call long distance.
Immediately after an earthquake hits, insurance companies typically stop selling earthquake insurance. This period where they refuse to sell earthquake insurance--known as a moratorium--can last up to three months. When and for how long an insurance company will refuse to sell is specific to the insurer. What this means for you is that you should get earthquake insurance before or immediately once a moratorium period ends so that you can make sure you’re ready for the next time.
When preparing for an earthquake, it’s critical that you understand what to do if one hits. Make sure that you communicate what to do to the entire family.
If you find yourself in the midst of a quake, remember to do the following:
Leap | Carpenter | Kemps Insurance Agency understands how difficult it is when a natural disaster hits your community and affects you and your loved ones. To protect yourself and your family, you should consider purchasing insurance that can help limit the financial damages you’ll face in the event of an earthquake.
Contact us today and one of our knowledgeable agents will help you understand your options.
Leap | Carpenter | Kemps Insurance Agency provides Commercial Business Insurance, Employee Benefits, Life and Health Insurance, and Personal Insurance to all of California, including Merced, Atwater, Los Banos, Mariposa, Madera, Fresno, Modesto, Turlock, and Stockton.
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