News from
Brownstone Insurance
200 Cordwainer Drive
Norwell, MA 02061
(617) 236-6400
www.brownstoneinsurance.com
RowofBrownstones
Dear Brownstone customers,

I am sure you have seen numerous reports regarding the June 23rd earthquake which disrupted life for citizens in and around Ontario and Quebec.  The earthquake was a 5.5 on the Richter scale, with tremors being felt as far as Boston, but fortunately there were no reports of damage or injuries.  People are not always so lucky, however.

Earthquakes, even small ones, can cause serious damage to homes, apartment buildings, cars, businesses and people.  In this issue, I will outline the affect that an earthquake could have to your property and why the option of adding earthquake protection to your existing Brownstone policy is worth exploring.

Earthquakes - They Can Happen Here
Massachusetts in located in a "moderate" earthquake zone according to the Massachusetts Office of Public Safety and Security.

Although these types of earthquakes cause only mild to insignificant damage, Massachusetts experiences several small tremors every year.

The Cape Ann Earthquake of 1755 (with a magnitude of 6.0) is noted as the last major earthquake to cause significant damage in Massachusetts. Due to the age and type of construction of many structures in the state, a repeat of that event today could be expected to cause serious damage to buildings, as well as the infrastructure.

Earthquake Zone Map
Earthquake-road
Tips to Keep You Safe
Considering small tremors continue to take place in Massachusetts and surrounding states, and larger earthquakes are possible, it is important for you to be aware of some simple safety rules if the ground begins to shake. 

Most injuries or fatalities occur from falling or flying objects.  The recommendations for remaining safe during an earthquake are quite simple, and many are similar to a general Family Disaster Plan. 


Before an earthquake strikes:

  • Check for hazards in your home.
  • Place large or heavy objects on lower shelves.  Fasten top-heavy furniture, bookcases, and appliances to walls.
  • Store bottled foods, glass, china, and other breakables on lower shelves or in cabinets that can be fastened shut.
  • Secure your water heater by strapping it to the wall studs and bolting it to the floor.
  • Evaluate and repair pre-existing structural issues, such as cracked foundations. If the foundation is secure and fully intact, bolt the house to it.
  • Store hazardous materials such as pesticides or flammable products in closed cabinets, which are close to the ground.
  • Hang heavy items away from where people sit or sleep.
  • Know where and how to shut off electricity, gas and water at main switches and valves.
  • Develop a Family Communications Plan as well as a plan to reunite after an earthquake.
  • Review your insurance policies to assess the type of damage coverage and indemnity.

During an earthquake:

  • If indoors, stay away from windows, china cabinets, bookcases and other top-heavy furniture. 
  • If you are in bed, stay there, hold on and protect your head.  Be cautious and aware of broken glass on the floor.
  • Drop, cover and hold on.  Minimize your movement.  Stay indoors until the shaking stops. The safest places are under a heavy table, desk, bed, supported archway or against an inside wall.
  • If there is no table or desk near you, cover your face and head with your arms and crouch in an inside corner of the structure.  Doorways should only be used for shelter if they are in close proximity to you, and you have reason to believe it is a strongly supported load-bearing doorway.
  • If in a high-rise building, stay away from windows and outside walls.  The safest places are under sturdy furniture or next to an inside support column.  Do not use the elevator.
  • If you are indoors, do not panic and run outside during the shaking, as brick, glass and other flying debris could be a greater hazard than those faced indoors.
  • If outdoors, get into the open, away from chimneys, signs, buildings, trees and powerlines.
  • If in the car, pull to the side of the road and stop the car.  Do not park under overpasses or powerlines.  Stay in the car until the earthquake is over.  If the earthquake is severe, do not attempt to cross bridges or overpasses that could be damaged.

After an earthquake:

  • Check all utility lines for breaks inside and outside your home. Do not touch downed powerlines.
  • Check all utilities. If there are problems, the main gas valve, electrical circuit or water main should be shut off accordingly.  Report the problem to the utility and take all proper precautions.
  • Check your home for cracks and damage. Open closets and cupboards cautiously, as items may have become loose or dislodged.
  • Only use the telephone for emergency calls, as call volume will be high.
  • Pets' behaviors may change dramatically after an earthquake.  Normally quiet and friendly cats and dogs may become aggressive or defensive.  Watch animals closely, and check them for injuries with extreme caution.
  • Stay out of damaged buildings and approach chimneys and other masonry structures with caution.
  • Be prepared to experience a number of aftershocks, some of which could almost be similar in magnitude and feel to the initial earthquake.

(Much of this information is courtesy of the Massachusetts Office of Public Safety and Security, the Northeast States Emergency Consortium, Boston College's Weston Observatory, and the Massachusetts Institute of Technology.)

earthquake aftermath
Earthquake Coverage
Adding earthquake coverage to your Brownstone policy will protect you if this event occurs.

For a $500 premium you can purchase a million dollars of coverage (up to $5 million in coverage available). Your property will be insured against covered losses caused by an earthquake.

Click here to email Amy O'Donnell, a Brownstone Program Underwriter who will be able to assist you with any questions you have, or call (617) 236-6400 for more information regarding this option.

You may not be able to prevent these catastrophic events, but you can prepare yourself for them .
 
Sincerely,
 
Glenn Montgomery
Brownstone Insurance
In This Issue
Earthquakes - They Can Happen Here
Tips to Keep You Safe
Earthquake Coverage
Understanding the Richter Scale of Earthquake Magnitude

1.2.0>   Micro earthquakes, hardly felt. (Micro)


2.2.0-2.9    Generally not felt, but recorded. (Very Minor)


3.3.0-3.9   Often felt, rarely causes damage. (Minor)


4.4.0-4.9   Noticeable shaking of indoor items, rattling. (Light)


5.5.0-5.9   Major damage to poor construction over small region, slight damage to well-designed buildings. (Moderate)


6.6.0-6.9   Can be destructive over 100 miles across. (Strong)


7.7.0-7.9    Can cause serious damage over larger areas. (Major)


8.8.0-8.9   Causes serious damage in areas several hundred miles across. (Great)

9.0<   Devastating in areas several thousand miles across. (Rare Great)

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Earthquake Facts
The largest recorded earthquake in the United States was a magnitude 9.2 that struck Prince William Sound, Alaska on Good Friday, March 28, 1964.

The largest recorded earthquake in the world was a magnitude 9.5 in Chile on May 22, 1960.

The average rate of motion across the San Andreas Fault Zone during the past 3 million years is 56 mm/yr (2 in/yr). This is about the same rate at which your fingernails grow. Assuming this rate continues, scientists project that Los Angeles and San Francisco will be adjacent to one another in approximately 15 million years.

Although both are sea waves, a tsunami and a tidal wave are two different unrelated phenomenona. A tidal wave is a shallow water wave caused by the gravitational interactions between the Sun, Moon, and Earth. A tsunami is a sea wave caused by an underwater earthquake or landslide (usually triggered by an earthquake) displacing the ocean water.

Alaska is the most earthquake-prone state and one of the most seismically active regions in the world. Alaska experiences a magnitude 7 earthquake almost every year, and a magnitude 8 or greater earthquake on average every 14 years.

It is estimated that there are 500,000 detectable earthquakes in the world each year. 100,000 of those can be felt, and 100 of them cause damage.

From 1975-1995 there were only four states that did not have any earthquakes. They were: Florida, Iowa, North Dakota, and Wisconsin.

The world's deadliest recorded earthquake occurred in 1556 in central China. It struck a region where most people lived in caves carved from soft rock. These dwellings collapsed during the earthquake, killing an estimated 830,000 people. In 1976 another deadly earthquake struck in Tangshan, China, where more than 250,000 people were killed.

Courtesy of:
The United States Geological Survey
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