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Are you covered if Earthquake happens?

Shallow 5.1 earthquake rattles Los Angeles. More than 100 aftershocks follow Friday night quake.

california-earthquake

vi CBC

Experts suggest there is 30% chance of a significant damaging earthquake concurrence in British Columbia with in the next fifty years. An earthquake like this could destroy your home or contents, or even cause loss of life. Without proper protection, it could take years to recover from the financial loss.

In Canada, a typical property insurance policy does not provide coverage in the event of an earthquake. It is not a standard coverage which supposed to be included automatically.

However, if purchased, Earthquake Insurance provides reimbursement for the following if caused by earthquake shake:

  • Damage to your home, detached structures and contents.
  • Out-of-pocket living expenses, or Additional Living Expenses, in the event your home is uninhabitable.
  • For condominium Owners, assessments made against you by the Condominium Corporation in the event their insurance is not enough.

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Death toll climbed to 14,866 in China Earthquake

This morning, The official death toll climbed to 14,866, as rescuers pulled at tangled chunks of buildings for signs of life on Wednesday.
Hundreds of thousands of troops, firefighters and civilians raced to save more than 25,000 people buried across a wide swathe of southwest Sichuan province under collapsed schools, factories and hospitals after Monday’s 7.9 magnitude quake.
China government send the first request for help to other country, Japan.
China has asked Japan for aid after an earthquake killed nearly 12,000 people and Tokyo is set to provide an initial $4.8 million in cash and goods, the Japanese foreign minister said on Tuesday.
Japan itself suffered a devastating earthquake in Kobe in 1995 that killed more than 6,400 and caused an estimated $100 billion in damage.
The United States, Britain, the European Union, South Korea and Taiwan have also offered assistance since the disaster, which came three months ahead of the Beijing Olympics.
The International Olympic Committee on Tuesday said it had decided to donate $1.0 million and the United Nations also offered support.

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China Earthquake left 12,000 death

I got China Earthquake news just after it happen. I was surfing at 1:00AM (PST) May 12.
My friends from China send this news through MSN and QQ.
News Site reported that it is in Wenshui(汶水), Sichan(四川).
I tried to contact my friend, XiaoQing, right in Sichan. I tried different ways, such as cellphone, MSN, QQ. Even the VOIP Phone.
I sent a SMS to him through VOIPstunt.
In the morning May 12, I sat in the office and check the message. He send a message to me . Said he is OK now.
He left the building and stay out side from 2:30 PM and whole night in the park. No sleeping.
I contact him yesterday night. He is in the office. When we were chatting, he said, it shakes again, I have to go off the building. His office is in the third floor.
Later, he left the message. The company he works announced that everyone take the vacation until next announcement.

The official Xinhua News Agency said the death toll exceeded 12,000 in Sichuan province alone, and 18,645 were still buried in debris in the city of Mianyang, near the epicenter of Monday’s massive, 7.9-magnitude quake.

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Earthquake may happen in Vancouver

Last weekend, there were reports on a higher probability of an earthquake in western canada.
CBC news said:

Seismic scientists say there is a greater probability of a major earthquake on B.C.’s South Coast in the next week, following a series of minor quakes that have worked their way up from Washington.
But seismologist Garry Rogers of the Geological Survey of Canada added that despite the increased probability of a big quake, the chances are still very low.

Some people heard the news and go to store to buy lots of water and some homeowner and business man go to buy earthquake coverage for their home or business insurance.
Please be noticed, most of insurance company may accept these mid-term changes, but they will retain the additional premium of addition of earthquake coverage, i.e. no refund if such coverage is to be cancelled later.

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