Thankyou. I was referring to my own circumstances here, but, we are covered
by the Earthquake Commissiom (EQC) for any building or anything attached to
a building and its contents. This includes my house and tandem garage. For
instance, my backdoor step is all cracked and slumped from the quakes and
because that is attached to the house it is covered by the EQC as is
everything that smashed inside my house and any damage I have and continue
to have from the quakes.
My driveway ( next to a creek), which is very long (fits about 7 cars), and
concreted back area is covered by my house insurance and my car, which was
damaged by wood and stuff falling all over it in the garage is covered by my
car insurance....bloody confusing but once you get your head around it,
So, any business is also covered up to a certain level and then the private
insurance takes over from there. My point is, it is better to be covered
than not. I have paid insurance for years and years for what seems just
like another bill, it is only now in a disaster that it really makes any
sense. This is because the people with insurance will get paid out for sure
with EQC and insurance first and those with none, may get just that,
An act of god and a bloody nasty one.
On Wed, Jan 12, 2011 at 9:25 PM, George Brock-Nannestad <[log in to unmask]>wrote:
> From: Patent Tactics, George Brock-Nannestad
> Hello, Marie and all concerned,
> earthquakes and floods like those in Queensland are considered Acts of God
> and are usually excluded from insurance coverage. The reason is that so
> insured are hit at the same time that the re-insurance companies (that is,
> the companies that insure the insurance companies against coincidental
> demanding requests) would go bust.
> In Denmark, there is a state fund that provides some coverage for anybody
> is hit by flooding, whether by extreme rainfall or storm surges, and a
> committee decides whether a particular event is to be classified as
> Physical protection is the only protection there is, in particular if you
> hold unique items, which archives mostly do, whereas libraries usually have
> things that can be replaced.
> Kind regards,
> > I believe in preparing for the future and anything can happen. No one
> > predicted that Christchurch, NZ, would get hit by a 7.1 earthquake, and
> > have had 4328 quakes since Sept 4, 2010. We continue to sustain damage
> > with
> > each aftershock on a daily basis.
> > Never think it won't happen here as it just does, just look at the floods
> > in
> > Queensland, Australia, they are devastating. You could have an
> > fire from you PC, who knows, but never be complacent, be ready and
> > prepared
> > for anything......a thug could even decide to nut off in your house and
> > sledgehammer all your discs. Think about it, we live in a crazy and
> > unpredictable world.
> > My advice>>>>>>>>>>Get insuranced now for any event, certainly glad I am.
> > Cheers
> > 'living on shakey ground'
> > Marie
> > On Wed, Jan 12, 2011 at 6:03 PM, Steven C. Barr
> > <[log in to unmask]>wrote:
> > > From: "Aaron Levinson" <[log in to unmask]>
> > >
> > >> Dear Friends-
> > >> Like many of you I have a record collection that is of substantial
> > value,
> > >> both economic and historical, and in many instances contains items
> > are
> > >> so scarce as to be essentially irreplaceable for all intents and
> > purposes. I
> > >> lie awake at night, in bad humor, imagining the catastrophic loss I
> > would
> > >> incur if my collection were somehow wiped out.
> > >>
> > >> Apropos of this I have considered an insurance policy to cover this
> > >> eventuality. Can anyone here give me their thoughts, experiences and
> > >> insights into the pros and cons of such a solution to my insomnia?
> > >>
> > >> This depends on one important question...?! Do you OWN your
> > > current living quarters...or are they rented? If the former (own), you
> > > should check your "homeowners" policy to see what your contents
> > > are insured for/against...then talk to the agent about adding specific
> > > coverage for your records.
> > >
> > > If the latter (rent), you will need to purchase insurance covering
> > > the "contents" of your premises. When doing so, you may need
> > > to establish exactly what it covers?!
> > >
> > > I should do this; however, my house has been standing since
> > > 1869...and I rigourosly avoid the use of any flame-related
> > > devices! As well, Oshawa, Ont'o., Canada is well north of
> > > "tornado country" and not in a seismically-active area...?!
> > >
> > > Steven C. Barr
> > >