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Quote of the Day - He grounds the warship he walks on. - John Bracken on Captain Barney Kelly, who ran the USS Enterprise into the mud of San Francisco Bay in May 1983
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Insuring Against Mudslides, Floods and Earthquakes

My Mom called this weekend, in a panic. The news featured houses collapsing into sinkholes and sliding off cliffs into the ocean. Even Bruce MacEwen sent a note of concern.

The conventional wisdom has it that California separated from the rest of the United States. While that may be true on an existential plane, we're still here, apparently hanging on by a thread.

It's serious stuff, but there are others who had it worse than we do. Still, with the loss of life and property damage, it's difficult to imagine if you're warm and dry. The question that you want to ask yourself is whether you're covered.

Typical homeowners insurance excludes (check under "Optional Extra Coverage" and then "Additional Liability") floods and earthquakes. Surprise!

You have to buy flood insurance and earthquake insurance separately from the government. If you rush out right now, you can buy flood insurance. It just doesn't take effect for 30 days.

Be careful out there. It's still raining, and won't be fun in the summertime to swim in this pool.

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Printer friendly page Permalink Email to a friend Posted by J. Craig Williams on Tuesday, February 22, 2005 at 20:57 Comments Closed (0) |
 
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