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What is the Modified Mercalli Intensity Scale? How is the Mercalli Scale Used The Mercalli and its Insurance Value: an Observable Data Measurement Tool. The Modified Mercalli Intensity Scale: Modified Mercalli – All about Observable data. The Mercali scale is an “arbitrary ranking based on observed effects” and is used for measuring shaking. It does…Read More
During a recent debate on earthquake insurance in the tiny European country of Liechtenstein, a small 3.9 magnitude earthquake struck on September 1st of 2022. Although no injuries were reported in the principality, the need for quake insurance could not have been better demonstrated. The story about politicians debating earthquake insurance at the same time…Read More
A new Cal Tech study using earthquake simulations has provided very strong evidence for a form of earth movement that may have been involved in the Japan 2011 Quake and Tsunami. This quake was a 9.0 magnitude quake. The study involves a little known type of gravel known as rock gouge which is sized in…Read More
In a press release dated June 2022, Palomar states “A.M. Best affirmed the A− (Excellent) rating for Palomar and our A− (Excellent)” group rating for Palomar Holdings, Inc. Palomar Specialty Insurance Company, Palomar Excess and Surplus Insurance Company, and Palomar Specialty Reinsurance Company Bermuda Ltd. were also affirmed the rating of “A− (Excellent)” by A.M.…Read More
The California Earthquake Authority has numerous exclusions on their property insurance policy form… One of those many exclusions is a “Nuclear Hazard”s exclusion. Is your property covered by a nuclear issue on your CEA policy What is Nuclear? Cambridge defines “Nuclear” in one of two ways: “being or using the power when the nucleus of…Read More
August 2022 – GeoVera announces that “GeoVera’s “A” (Excellent) rating by A.M. Best has been re-affirmed in June 2022. ” This rating refers to their Financial Strength Rating. An A rating is considered the third hightest FSR attainable. According to an online publication- the AM Best rationale for the rating include the following considerations. They consider…Read More
A new bulletin from Aegis states: “Aegis General Insurance Agency is pleased to announce a new California Residential Earthquake product offering... Palomar Specialty Insurance Company.” This means that Aegis is teaming up to sell Palomar property Earthquake Insurance. Palomar insurance, a California Earthquake Insurer is very well known in the property insurance space. Known for…Read More
In California, Amica Mutual Provides Earthquake Insurance through the CEA The Insurer is based in Rhode Island Amica has an A+ Financial Strength Rating while the CEA has an Fincnial Strength Rating of A-. When you purchase earthquake with Amica you are purchasing a CEA policy. About Amica’s Earthquake Offering: According to the California Department…Read More
University of Southern California scientists recently found evidence that our planet’s core oscillates and not necesarily in the way we thought. Using data from the 1970s in the United States and Russia, researchers have made modern discoveries in the new millennium. This new information changes what we previously believed to be true about Earth’s movement.…Read More
In the world of insurance, definitions mean a lot. Earthquake insurance definitions are no different. In many cases some of these definitions may be the same as the science definition, but in other cases it may not be. With all forms of insurance it is useful to read your own policy to check if your…Read More