We haven’t had a major earthquake in California for a while, but most of us recognize that it’s always a possibility. While taking out insurance can protect to a certain extent against the likely financial cost of an earthquake, a large quake does more than shake our homes. It shakes people up on a much deeper level, even if nobody they know is injured. It creates fear as people become anxious with every aftershock, and no doubt for some considerable time after the trembling has subsided. It’s hard to forget that fear when you’ve been involved in an earthquake.
Needless to say, it would be a much more devastating scenario if someone we know was to be injured, or if our own family home crumbled. Neither should we forget our fear – if we did, we might be tempted to allow our insurance to lapse, or forget to teach our children how to stay safe and reconnect with family members after an earthquake.
Earthquake remains a serious risk in California and we should always be ready for the next “big one”. Being ready, of course, doesn’t just mean having earthquake insurance in place, although we certainly should ensure that we are protected in a financial sense too. Being prepared also means taking steps to make your home safer, and ensuring all family members young and old know what to do when the ground begins to shake, whether they’re at home or out and about in the city. How well prepared is your family?