Haiti was greatly devastated from the earthquake the hit the country last January 12, 2010. With a magnitude of 7.0, many lives were lost, buildings and structures have collapsed. Millions of dollars of property were destroyed in just an instant. This event just showed us how destructive the force of nature can be and this tragedy can happen at any country in the world. Survivors of earthquake face great financial setbacks as they try to rebuild there homes.
Fear is the greatest motivation. After what have happened in Haiti many homeowners now are looking for free insurance quotes, California being prone to earthquake, made many of its residents re-think and re-evaluate their policies.
Earthquake can strike at any place at anytime, like what the earthquake in Haiti showed. Unstable buildings and poorly constructed structures could collapse easily. Insurers offer various types of insurance packages pertaining to damage coverage, these packages are named HO-1 up to HO-8, most owners settled for an HO-3 package which covers damage to structure, contents, property, possession and liability coverage. However, this type of policy does not include coverage for natural disaster. Earthquake and other natural disaster coverage policy are to be bought separately.
In the event that you are unable to live in your shelter because of the extreme damages of your house has received from a natural disaster. Your insurer will shoulder all living expenses and your family maybe temporarily be covered until a permanent housing can be assumed. Natural disasters and calamities may render you homeless.Losing one's property is a horrifying and traumatic experience, even if your home insured, it is still better to have your house still standing after an earthquake than going to claim your coverage with your house destroyed. Reinforcing you're the foundation of your house could not only increase the safety of your house but some insurers also offer discounts on reinforced houses. Some building and houses collapsed days after an earthquake, this is because the damage inflicted in these establishments has weakened the foundation of their structure. Carefully check the condition of your house, it best to check the foundation of your home to determine which area might collapse during an earthquake.
However this will not guarantee that it will not collapse, since Earthquake damages depend on the intensity of the quake. If your house is insured, make preparations that will let claiming process easier and faster in case you may need to file a claim. Document and make an inventory of your properties, this can be done by simply taking pictures or video taping your properties. This will be proof of what you own before the time you may need to claim your insurance.
Natural disasters like earthquake can be very destructive, as it has shown in the aftermath of the recent Haiti earthquake incident. If you just bought a property and moved into California, you should immediately look for free insurance quotes, California is prone to earthquake and having insurance could really help you in the event you are victimized by an earthshaking calamity.
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