Ten Tips to Prepare Your Home for an Earthquake

First thing to know about Oklahoma is to EXPECT THE UNEXPECTED. This week’s earthquakes were no exception. Below are ten tips to help you prepare your home for the surprises Mother Nature may have for us.
Preparing your home for an earthquake and developing a recovery plan. If you live in a fault area and are susceptible to frequent earthquakes, there are steps you can take to make your home more secure in the event of a disaster. If you don't think you have time to execute these measures - make time. These steps could reduce damage to your home and return you and your family to your normal, everyday lives. Remember: Earthquakes can happen at any time - without warning.
•Learn how to shut off gas, water, and electricity in your home in case of power line damaged.
•Check the stability of chimneys, roofs, and wall foundations. If you are living in a home built before 1935, make sure the house is bolted to the foundation. If your home is on a raised foundation, make sure the cripple, or short stud walls between the floor and foundation, are replaced with shear, or vertical walls that are used to stiffen the structural frame. If you have questions, contact a licensed contractor.
•Secure heavy furnishings.
•Secure your water heater and other appliances that could move and disrupt utility lines.
•You can use museum wax and other methods to secure smaller items and picture frames.
•Store breakable and heavy objects on lower shelves, in addition, use latches on cabinet doors.
•Keep all flammable and hazardous liquids, such as paints, pest sprays, and cleaning products, in cabinets or secured on low shelves.
•Maintain emergency food, water, medicine, a first aid kit, tools, and clothing for any disaster that may occur.
•Check with your insurance agent about the availability of earthquake insurance.
Here is a sight you may enjoy; http://earthquake.usgs.gov/earthquakes/recenteqsww/Quakes/quakes_all.php
AMERICAN NATIONAL PROPERTY AND CASUAL TV COMPANY
AMERICAN NATIONAL GENERAL INSURANCE COMPANY
EARTHQUAKE ENDORSEMENT
For an additional premium, we insure for direct, physical loss to property described in Coverages A, 8, and C
caused by Earthquake, including land shock waves or tremors, before, during, or after volcanic eruptions.
One or more earthquake shocks that occur within a seventy-two hour period shall constitute a single
earthquake.
Special Deductible
1. The deductible for loss covered under this earthquake endorsement is the amount determined by applying
the deductible percentage of 10% separately to each of the following:
(a) the limit as shown on the Declarations for COVERAGE A- DWELLING;
(b) the limit as shown on the Declarations for COVERAGE B-OTHER STRUCTURES;
(c) the limit as shown on the Declarations for COVERAGE C- PERSONAL PROPERTY PLUS the limit
of coverage provided under any Scheduled Personal Property Endorsements.
2. The minimum deductible amount for any one covered loss under Coverage; A, 8, or C shall be $500 for
Each coverage that applies to the loss.
Special Exclusions
1. We do not cover loss resulting directly or indirectly from flood of any nature or tidal wave, whether caused by, resulting from, contributed to, or aggravated by earthquake
2. We do not cover loss to exterior masonry Veneer. The value of exterior masonry veneer shall be deducted before applying the deductible clause. For the purpose of this exclusion, stucco shall not be considered masonry veneer.
This coverage does not increase the limits of liability stated in this policy and does not include the costs of filling land. All other provisions of this policy apply.
Please call us to find out what the annual cost to your home policy would be. Please make sure you are aware that there is a 10% deductible on Coverage. A, Coverage B, and Coverage C, In addition the coverage is not effective for 30 days after an earthquake when you are within 100 miles of the epicenter and the earthquake is over a 5.0 on the Richter scale.


Jerry
http://jerrysgibberish.blogspot.com/


Jerry Szeszulski ( + + = shoe shell ski)
We Take A Personal Interest~ Protecting What You Value Most:
office 918-254-2578 x227 Cell 918-8086656 fax 918-254-2580
Visit our website at: http://tulsahomeauto.com/


May the grace of God’s favor, and His Peace, that is perfect well being, all necessary good, and all spiritual prosperity. Bring you freedom from fear, freedom from agitating passion, moral conflict. May it be multiplied to you in the full personal precise and correct knowledge of God and of Jesus the Christ. For His Divine power has bestowed upon us; all things that are requisite and suited to life and godliness, though the full personal knowledge of Him, who calls us by and to His own glory, and excellence virtue.