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Earthquake Insurance: What's Your Exposure?

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This week's earthquakes that rattled the East Coast, Colorado and New Mexico provide a reminder of their ability to strike anywhere in the United States. In fact, 90% of the U.S. population lives in seismically active areas, but only a fraction of that population has an earthquake endorsement as part of their property insurance coverage. Without endorsement, earthquake coverage is excluded in standard commercial and homeowner's policies.

Insurance expert Robert J. Prahl, CPCU details the availability of earthquake coverage in our most recent issue of Adjusting Today, "Earthquake Insurance: What's Your Exposure?" Then, on a closely related subject, "Earth Movement: Man-Made vs. Natural Causes," he takes an insightful look at how the courts have interpreted policy language in several earth-movement claims. Rounding out this issue is a sidebar —"More About Earthquakes..."—offering some interesting facts about earthquakes in the United States.

This brand new edition is available to read or download now.

Earthquakes and Contingent Business Interruption
Closely related to this new issue of Adjusting Today are our two E-Advance Editions, published after the devastating earthquake in Japan. The first —"Japan Earthquake a Wake-Up Call for Contingent Business Interruption Coverage"—was penned by Donald S. Malecki, CPCU. The second issue was written by Goodman-Gable-Gould/Adjusters International's Anthony J. D'Amico, SPPA and Harvey M. Goodman, SPPA and is entitled "Contingent Business Interruption Issues Continue Following Disasters in Japan." Interested readers can read these issues online or download them here.

Those interested in receiving Adjusting Today can subscribe now and/or request any back issues that are of interest. Readers may also Contact the Editor with comments and topic suggestions, which are always welcome. As it has been since its inception nearly 25 years ago, Adjusting Today continues to be provided free of charge.