аЯрЁБс>ўџ 68ўџџџ5џџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџьЅСq` јПХbjbjqPqP 4&::Х џџџџџџЄTTTTTTThPPPP4„ h  Жœ(ФФФФŸŸŸ ! ! ! ! ! ! $V hОЈE TЩ ŸŸЩ Щ E TTФФлZ    Щ "TФTФ  Щ    TT Ф №@НLWЦPы   p 0   f ‚f  RfTп @Ÿ„# ^  LЭ ќŸŸŸE E ƒ ŸŸŸ  Щ Щ Щ Щ hhhФ,$hhh,hhhTTTTTTџџџџ Insurers Well-Braced for Next Big California Earthquake (Yes, it is important to you) April 3, 2006 (courtesy of Insurance Journal / edited for brevity): When the next big earthquake strikes California, it's unlikely to hurt the insurance industry as much as the last one did. Insurers emerged from the Northridge quake with a $12.5 billion bill, raising fears they would be wiped out completely if an even bigger temblor were to hit one of the state's major metropolitan areas. As it was, the Northridge quake nearly bankrupted 20th Century Insurance. [Thus, in response to this critical issue, the California Earthquake Authority (CEA) was launched]; to help launch the CEA, California insurers chipped in $750 million in initial funding and agreed to pay up to $3.6 billion to help the agency cover claims in a catastrophic quake. The CEA provided a practical solution to an intolerable situation, said Jerry Davies, a spokesman for the Personal Insurance Federation of California, whose members include State Farm Insurance and Farmers Insurance. "When you don't understand insurance, it's easy to be critical," Davies said. By backing the CEA, insurers would be able to continue selling basic homeowners coverage. [This is important because] California law requires a separate earthquake policy to be offered along with homeowners[, thus forcing the earthquake insurance to be offered regardless of underwriting criteria – which equals financial disaster for policy holders as well as non-policy holders]. Insurers say this requirement led homeowners living near faults to accept the quake coverage while property owners in less risky neighborhoods declined. The industry didn't rebel until after Northridge, when carriers representing about 93 percent of the California homeowners' market either stopped writing new policies or imposed severe restrictions to avoid offering earthquake coverage. Those constraints prompted lawmakers to create the CEA, which relies on a combination of policyholder premiums, industry backing and reinsurance to cover possible claims. The agency estimates it could cover up to $7.5 billion in claims. If the total amount of insured damage exceeds that amount, the CEA is allowed to trim payments due to its policyholders. There are a few insurers that continue to offer earthquake coverage outside the CEA. The largest of these are Geovera Insurance and Pacific Select Property Insurance, both owned by St. Paul Travelers, with account for a nearly 10 percent share of California's earthquake insurance market [other private insurers include Safeco, California Insurance Group, and Oregon Mutual]. Hurricane Katrina, by comparison, cost the insurance industry an estimated $38 billion, according to the Insurance Information Institute. Until we have a major earthquake on the scale of Katrina, the federal government is NOT going to step in and save you; FEMA can’t handle the load. And, if FEMA does offer some assistance, it will be in the form of a loan. The cost of Earthquake insurance is less than the interest on any loan. If you have interest in obtaining Earthquake Insurance, DRIVE RIGHT Insurance Services represents Geovera, Safeco, Oregon Mutual, and Capital Insurance Group. Call us at 562-594-6541 or 800-400-3224 x19 or visit our web site at  HYPERLINK "http://www.hdinsure.com" www.hdinsure.com /  HYPERLINK "http://www.driverightinsurance.com" www.driverightinsurance.com. 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