Search Results for: blog landslides and mudslides

Insurance Blog Week In Review March 6-12, 2007

Insurance Term Of The Week: The Insurance Term Glossary I’m still working hard to organize my own personal insurance. It’s a lot of work and responsibility but, part of living a financially secure lifestyle. Wednesday, March 7, 2007. Parental Liability: When your Child become a Parent. When a teenage girl has a baby it is automatically reported to the state child support agency by the welfare department. When the agency receives a minor-mother referral, it begins legal proceedings against three parties: The father of the minor-mother. The mother of the minor-mother. And the father of the minor-mother’s child. Thursday, March … Continue reading →

Landslides and Mudslides

I live in the Pacific Northwest, along the Lewis and Clark Trail, where the air is wet and the world is green. We have a lot of rain, and even more days I just call “wet-air” where it isn’t raining but, the sun is covered from view by a blanket of damp think air. It makes for a lush moist environment. The problem is our ground is wet, and we live along rivers, near tall mountains and nature is much bigger than anything any man has built around here! Landslides are normal catastrophes too many families around here face. Even, … Continue reading →

What To Know Before You Travel During Hurricane Season

The travel bargains during hurricane season are hard to beat, but before you shell out the money for a trip to the Caribbean, Mexico, or Florida there are a few points you should consider. First, the deep discounts offered during hurricane season come as a result of the risk you take. (It’s called hurricane season for a reason.) If you plan to head south during the heart of hurricane season you risk having your vacation drowned out. That’s what happened to more than 30,000 vacationers who were spending a fall trip in the Cancun area in October 2005. Their resorts … Continue reading →

What Do Pets Know That We Don’t?

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Do animals have a sixth sense when it comes to natural disasters? We can see how our pets are sensitive to human moods; are they also sensitive to the planet itself? Some scientists are skeptical, but there is plenty of anecdotal evidence. In 1975, animal behavior prompted an evacuation of the city of Haicheng in China days before an earthquake, saving more than a hundred thousand lives. Ancient Greeks noted that even rodents, snakes, and insects fled the city of Helice before an earthquake in 373 BC. Even the folks who do believe that animals can sense disaster aren’t sure … Continue reading →

Ten Things to Know About Mold Damage

Mold damage is usually the result of some kind of major water damage or exposure to water. Insurance generally only covers a mold claim if there has been damage caused due to an insured Peril. A broken water pipe, a wind storm that tears part of the roof away and water seeps into the structure. Water damage caused when there is a fire and the home is soaked to prevent the fire from spreading. Insurance doesn’t pay for Mold claims that happen gradually over a period of time, or damage caused by wear and tear. There are some insurance companies … Continue reading →

Earthquake Insurance

The standard homeowner insurance policy doesn’t cover earth movement claims. An earthquake might be the first thing that comes to mind when someone thinks about earth movement, but earth movement includes, landslides, mudslides, mudflow, sinkholes or other movement of the ground involving sinking, rising or shifting of the earth. In most homeowner and renter policies earth movement is an excluded loss and means claims aren’t covered unless the policy holder adds an endorsement for earthquake coverage. It’s up to the consumers to decide if their own situation requires an earthquake insurance endorsement. Earthquake insurance usually excludes any losses caused by … Continue reading →