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... in our computer, since we were without power for several days and couldn't find a generator to put our computer back in business. Even if we had had a generator, it would have been difficult to obtain gasoline for it, since few service stations were operating prior to the return of electrical power. Our staff was accustomed to completing the ACORD forms manually, and coverage information was easily accessible from our files. As of February, we had processed 1,977 homeowners claims, 11 percent of which had not been resolved ... 5% or 10% of the replacement cost amount or actual cash value of the building, and in other areas, it's 2%, but it usually does not go below a minimum of $250. The coverage defines a single earthquake' as all earthquake shocks that occur within a 72-hour period of time. Some forms specifically land shock waves or tremors that accompany a volcanic eruption. Don't take the attitude that earthquakes happen only to other people in other places. Make sure you're protected by being prepared and being insured. ... parking lots, and so on. What to Do Before a Catastrophe 1. Alert police and fire departments to special conditions, such as an invalid who might require emergency evacuation. 2. Prepare an inventory list of personal valuables, household furnishings, and equipment so losses can be authoritatively itemized. 3. Keep your insurance coverage current with rising building replacement costs. Make sure you have enough coverage for the furnishings and other items you've purchased since you first bought insurance. And buy Flood and Earthquake insurance, if you're eligible and ...

...o that the most serious losses get priority treatment. Those policyholders are...e turned in to our office manager who prioritized the remaining tasks and made...