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In the past, earthquake loss was assessed using a collection of mass inventory data and was based mostly on experts' opinions. Today it is estimated using a Damage Ratio (DR), a ratio of the earthquake damage money amount to the total value of a building. [1] Another method is the use of HAZUS, a computerized procedure for loss estimation.
However, your policy’s loss assessment coverage, if you have it, may protect you from out-of-pocket costs if a loss exceeds your HOA’s master policy limit. HOA insurance vs. condo insurance
An 18th-century fire insurance contract. Property insurance can be traced to the Great Fire of London, which in 1666 devoured more than 13,000 houses.The devastating effects of the fire converted the development of insurance "from a matter of convenience into one of urgency, a change of opinion reflected in Sir Christopher Wren's inclusion of a site for 'the Insurance Office' in his new plan ...
In California, this coverage is offered through the California Earthquake Authority. Sinkhole coverage: Sinkholes occur in many regions of the U.S. but are not covered by a standard homeowners policy.
Progressive says that standard condo insurance policies generally provide a certain level of loss assessment coverage. But depending on your policy, it may not be enough to cover the cost of a ...
The first 10 years of near-real-time earthquake alerts by this team can be found in. [4] Recent alerts can be found on the web page of the International Centre for Earth Simulation Foundation (ICES), Geneva. [1] The National Earthquake Information Center of the USGS has been issuing PAGER alerts by email since April 2009. [41]
Seismic risk or earthquake risk is the potential impact on the built environment and on people's well-being due to future earthquakes. [1] Seismic risk has been defined, for most management purposes, as the potential economic, social and environmental consequences of hazardous events that may occur in a specified period of time.
A FEMA map depicting earthquake hazards in the eastern U.S. Most of New Jersey is colored green, which means it can experience "shaking of moderate intensity," with the effects "felt by all, many ...
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