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If Fire Strikes, Make Every Second Count: Part 3

Posted by Daryl Girnus on July 9, 2019

It’s easy to overlook fire hydrants — until a fire starts. Then hydrants become crucial. Without them, firefighters are less effective at saving your home or business.  Although firefighters carry water on their trucks, it may not be enough to put out a large fire.

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Topics: Home safety, Disaster preparedness, fire hydrants, fire departments, Home Fire Protection

If Fire Strikes, Make Every Second Count: Part 2

Posted by Daryl Girnus on June 18, 2019

No one wants to contemplate what it would be like to have their home catch on fire, but if yours does, you’ll want firefighters to extinguish the flames as quickly as possible. Fortunately, you can help firefighters respond swiftly. In fact, one of the biggest factors affecting firefighters’ speed in putting out a home fire is what you do long before a fire sparks. Taking a little time now could make a huge difference later, reducing property damage and possibly saving lives.  

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Topics: Home safety, Washington state, Disaster preparedness, fire departments, Home Fire Protection

If Fire Strikes, Make Every Second Count: Part 1

Posted by Daryl Girnus on June 4, 2019

When a fire ignites, putting it out is all about speed. The faster you or a firefighter douse the flames with water or an extinguisher, the better. If anything slows down the response, the fire burns longer, causes more damage and poses a greater threat to human life.  

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Topics: Disaster preparedness, fire departments, Hazards

Actual Cash Value vs. Replacement Cost and Why It Matters to You

Posted by WSRB on May 13, 2014

Imagine a tree falls through the roof of your home during a rainstorm. Not only is your roof in need of repair but so are many of your belongings. When it comes to replacing your damaged belongings, your insurance company will have to determine the value of what was damaged or destroyed. The two most common methods for this determination are Actual Cash Value (ACV) and Replacement Cost (RC). 

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Topics: Disaster preparedness, insurance

Duties After Loss: What Your Insurance Company Expects from You

Posted by WSRB on May 8, 2014

When you buy a property insurance policy, you’re buying a promise from an insurance company: you’re essentially paying a small amount of money each month to protect yourself, your family or your business against a much larger loss.

But what happens when you do suffer a loss? Although insurance policies can vary, the duties after loss tend to be fairly standard.

Let’s say your kitchen catches on fire, or you accidentally run a red light and hit an oncoming car, or perhaps during a windstorm the shakes on your roof blow away, letting the rain and debris come into your home — what do you do?

According to most insurance policies, you must:

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Topics: rating bureau, Disaster preparedness, insurance

Disaster Preparedness and Your Insurance Policy

Posted by WSRB on April 28, 2014

We often discuss disaster preparedness on our blog, but one thing we don’t spend much time covering is the parts of your insurance policy that may come into play after a disaster happens. As we always caution, talk with your agent. He or she is your best resource. Still, we can offer a few tips on what you should talk to your agent about when discussing coverage.

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Topics: Disaster preparedness, insurance, Home Fire Protection

Tornadoes in Washington: Should You Batten Down the Hatches?

Posted by WSRB on April 25, 2014

When most people think of tornadoes and where they occur, the Midwest usually comes to mind, not somewhere like Washington state, where our biggest weather woes tend to be flooding and wind storms — and occasional minor snow storms. But, tornadoes do occur in Washington and have even been known to cause property damage and loss of life.

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Topics: Disaster preparedness, insurance, Hazards

Classifying Earthquakes

Posted by WSRB on April 21, 2014

Did you know that not all earthquakes are the same? It's true. Earthquakes happen at different depths, known as “shallow,” "intermediate" and “deep” earthquakes. And, although the Richter scale reading can give a good indication of how bad the damage might be, different types of shaking occur during a quake.

Earthquakes and their shaking are complicated subjects, but a little background information can help deepen your understanding beyond simple Richter scale readings.

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Topics: Building Construction, Disaster preparedness, Hazards

Should Your Insurance Cover Lahars?

Posted by WSRB on September 30, 2013

If you live in Orting or Enumclaw, WA, then you probably know what a lahar is and why it poses a danger. You might also if you remember your Geology 101 class from college. But if you don’t know, lahars pose an incredible threat in the central Washington area and in many other surrounding states and even across the world. The word “lahar” comes from an Indonesian term describing a mix of hot and cold water and rock fragments.1 They tend to look similar to giant moving flows of concrete and can be relatively small or incredibly huge. But what are they, exactly, and where do they come from?

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Topics: Insurance underwriting, Disaster preparedness, GIS Mapping, insurance, Hazards

National Safety Preparedness Month Is a Great Time to Update Your Business and Home Preparedness Plans

Posted by WSRB on September 9, 2013

September is National Safety Preparedness month. The National Safety Council recommends following these four steps to be sure your home or business is prepared for a disaster:

  1. Build a kit
  2. Make a plan
  3. Stay informed
  4. Get involved
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Topics: rating bureau, Disaster preparedness, Home Fire Protection, Hazards