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Here's why

ByFaith Karimi, CNN

 

Fewer people than you'd think have earthquake insurance in Southern California, rattled this week by two major earthquakes.

Friday's 7.1-magnitude quake, centered near Ridgecrest, led to gas leaks, building fires and water main breaks. It came a day after a magnitude-6.4 temblor in the same area.

In a state especially prone to tremors, only 13% of homeowners have earthquake insurance, according to the California Department of Insurance. Others who have renter's or homeowner's insurance mistakenly believe they're covered for earthquakes.

Here's what you need to know:

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Casting Our Support For Those Who Served

Phoenix Adjusters is proud to be one of the sponsors for the 2019 Annual Charity Golf Outing.

 

Supporting American Veterans & First Responders!

 

 Visit their Facebook Page here

Pipes are unfortunately going to freeze and break.

Feel free to call me first, before you report the claim, for advice on your immediate steps after the damage to your property.

Water damage can occur at any time - and often at the worst possible time.  In fact, it may not be covered under your existing property insurance policy.  If you have any of the following concerns we can expertly represent you in your insurance claim. 

Is damage from flooding excluded in my homeowner's policy?

Am I covered for roof leaks

How about damage from frozen or busted pipes? Or appliance line leaks?

Are sewer and drain backups covered?

 

Contact Us at the first sign of winter damage

• Remove broken tree limbs and branches, and clean gutters and downspouts.
• Schedule inspections for your roof, heating system and chimney.
• Replace screens with storm windows.
• Prepare an emergency supply kit.
• Insulate walls and pipes.
• Drain garden hoses, bring them inside, and turn off water to outside faucets.
• Seal cracks and holes in outside walls, the foundation and around windows and doors.
• Stock up on shovels, sand and non-corrosive ice melt, and if you have a snow blower, check to make sure it’s working.

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By Linda McMahon, SBA Administer

For this blog about Hurricane Season preparedness, we thought it would make sense to get some business continuity tips from a real expert—a business owner who survived multiple disasters - Janice Jucker of Three Brothers Bakery.

Here are some useful business continuity tips from Janice Jucker:

1. Review your hazard and flood coverage NOW.   If you don’t have flood coverage, which is NOT covered by hazard insurance, contact the National Flood Insurance Program to purchase flood insurance.  There is a 30-day waiting period after you make the first premium payment, so just hope you don’t get hit by a flood storm before the policy is effective.

2. Make sure you have access to your insurance policy information, especially policy numbers. Keep handy phone numbers for your insurance agent and the claims department.

 

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Last year was one of the most active Atlantic hurricane seasons on record, with six major hurricanes of Category 3 or higher. 

 Three devastating major hurricanes made landfall—Harvey in Texas, Irma in the Caribbean and the southeastern USA, and Maria in the Caribbean and Puerto Rico.

 Some affected areas are still recovering even as the start of the 2018 hurricane season for the Atlantic Ocean, the Caribbean and Gulf of Mexico approaches. Almost eight months after Hurricane Maria pummeled Puerto Rico, tens of thousands of residents are still without electricity. Hurricane season runs from June 1 to Nov. 30

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 Pre-Hurricane Season

            • Prepare an emergency supply kit
            • Clean out gutters and trim trees and shrubs
            • Inspect your roof, siding, foundation and basement to identify areas to be repaired or replaced
            • Create and practice an evacuation plan
            • Reinforce garage doors – if wind blows through the garage, it can cause serious structural damage to other parts of your home
            • Consider replacing gravel or rock landscaping materials with shredded bark, since high hurricane winds could cause rocks to move around and damage your home
            • Prepare a home inventory with photos of your home and personal property

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