<?xml version="1.0" encoding="utf-8"?><?xml-stylesheet href="http://www.iinc.org/templates/Default/RssDisplay.xslt" type="text/xsl"?>
		<rss version="2.0">
		  <channel>
				<title><![CDATA[Insurance Information Network of California - Articles]]></title>
				<link>http://www.iinc.org</link>
				<description />
				<language>en-us</language>
				<copyright><![CDATA[http://www.iinc.org]]></copyright>
				<generator>N/A</generator>
				<webMaster>cmiller@iinc.org</webMaster>
				<lastBuildDate>Tue, 09 Feb 2010 06:12:00 -0700</lastBuildDate>
				<ttl>20</ttl>

					<item>
					  <title><![CDATA[What Now?  IINC Answers Storm Recovery Questions]]></title>
					  <link>http://www.iinc.org/articles/352/1/What-Now--IINC-Answers-Storm-Recovery-Questions/Page1.html</link>
					  <description><![CDATA[With winter storms causing widespread damage, the Insurance Information Network of California&reg; offers answers to frequently asked storm questions: Question: Rising water flooded my home. Am I covered? Answer: Yes, if you have flood insurance. However, a standard homeowner insurance policy does not cover flood damage. Flood insurance is typically available from your agent through the National Flood Insurance Program (www.floodsmart.gov or (800) 427-9662). Keep in mind that it takes 30 days from the time you purchase the policy for it to take effect. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Mon, 08 Feb 2010 00:00:00 -0700</pubDate>
					 <guid isPermaLink="true">http://www.iinc.org/articles/352/1/What-Now--IINC-Answers-Storm-Recovery-Questions/Page1.html</guid>
					</item>

				

					<item>
					  <title><![CDATA[Designating a Driver Should Be At the Top of Everyone's Super Bowl Party List]]></title>
					  <link>http://www.iinc.org/articles/353/1/Designating-a-Driver-Should-Be-At-the-Top-of-Everyones-Super-Bowl-Party-List/Page1.html</link>
					  <description><![CDATA[
If you're planning to throw a Super Bowl party on Sunday, remember that being a truly gracious host means more than putting out the baby-backs and beer. All hosts should make sure there are plenty of non-alcoholic options available and that the gathering includes a number of designated drivers, according to the Insurance Information Network of California. While the big game is one of the most exciting events of the football season, it is also one of the most dangerous as roads are filled with too many impaired drivers. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Tue, 02 Feb 2010 00:00:00 -0700</pubDate>
					 <guid isPermaLink="true">http://www.iinc.org/articles/353/1/Designating-a-Driver-Should-Be-At-the-Top-of-Everyones-Super-Bowl-Party-List/Page1.html</guid>
					</item>

				

					<item>
					  <title><![CDATA[The Storm Page]]></title>
					  <link>http://www.iinc.org/articles/341/1/The-Storm-Page/Page1.html</link>
					  <description><![CDATA[Since 1990, California has endured nearly 25 storms resulting in more than $2 billion in insured losses.&nbsp; A recent survey indicates that 43 percent of respondents even consider themselves prepared for storms and the damage associated with them.On the following page, learn what steps you can take to prepare and survive a winter storm or flood.]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Tue, 19 Jan 2010 00:00:00 -0700</pubDate>
					 <guid isPermaLink="true">http://www.iinc.org/articles/341/1/The-Storm-Page/Page1.html</guid>
					</item>

				

					<item>
					  <title><![CDATA[Recent Quakes A Reminder of Possible Financial Aftershocks]]></title>
					  <link>http://www.iinc.org/articles/351/1/Recent-Quakes-A-Reminder-of-Possible-Financial-Aftershocks/Page1.html</link>
					  <description><![CDATA[
After two sizeable earthquakes book-ended the state last week, Californians got a jarring reminder of their unsettled landscape. But with roughly 12 percent of California homeowners purchasing earthquake policies, are their finances also on shaky ground? In today&#8217;s financial climate, walking away from disaster losses may not be a viable solution for homeowners. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Mon, 11 Jan 2010 00:00:00 -0700</pubDate>
					 <guid isPermaLink="true">http://www.iinc.org/articles/351/1/Recent-Quakes-A-Reminder-of-Possible-Financial-Aftershocks/Page1.html</guid>
					</item>

				

					<item>
					  <title><![CDATA[Contacts]]></title>
					  <link>http://www.iinc.org/articles/350/1/Contacts/Page1.html</link>
					  <description><![CDATA[Visit this page for more information on earthquakes and earthquake preparation from numerous sources.&nbsp;]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Mon, 11 Jan 2010 00:00:00 -0700</pubDate>
					 <guid isPermaLink="true">http://www.iinc.org/articles/350/1/Contacts/Page1.html</guid>
					</item>

				

					<item>
					  <title><![CDATA[Earthquake Insurance Options]]></title>
					  <link>http://www.iinc.org/articles/349/1/Earthquake-Insurance-Options/Page1.html</link>
					  <description><![CDATA[In most cases, homeowners are not required to purchase earthquake insurance. In fact, it is estimated that only 13 percent of California homeowners have an earthquake insurance policy in 2006. Many homeowners cite the increased deductible and decreased coverage for not insuring their home against earthquakes. However, even prior to the Northridge earthquake, less than one-third of California homeowners purchased earthquake policies. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Mon, 11 Jan 2010 00:00:00 -0700</pubDate>
					 <guid isPermaLink="true">http://www.iinc.org/articles/349/1/Earthquake-Insurance-Options/Page1.html</guid>
					</item>

				

					<item>
					  <title><![CDATA[The California Earthquake Authority]]></title>
					  <link>http://www.iinc.org/articles/348/1/The-California-Earthquake-Authority/Page1.html</link>
					  <description><![CDATA[In September 1996, the state Legislature established the California Earthquake Authority. The CEA is a privately funded, publicly managed organization that provides residential earthquake insurance to Californians. Designed to make quake insurance both available for consumers and financially viable for both insurers and their customers, the CEA is funded by insurance industry capital contributions and commitments, reinsurance and capital market borrowing. As of January 2006, the CEA had more than $7.2 billion in claims-paying capacity.]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Mon, 11 Jan 2010 00:00:00 -0700</pubDate>
					 <guid isPermaLink="true">http://www.iinc.org/articles/348/1/The-California-Earthquake-Authority/Page1.html</guid>
					</item>

				

					<item>
					  <title><![CDATA[The Evolution of Earthquake Insurance]]></title>
					  <link>http://www.iinc.org/articles/347/1/The-Evolution-of-Earthquake-Insurance/Page1.html</link>
					  <description><![CDATA[According to the U.S. Geological Survey, there is a 70 percent probability that an earthquake of magnitude 6.7 or larger will strike the San Francisco Bay Area during the next 30 years. However, while Californians live with earthquakes, an estimated 13 percent of California homeowners purchase earthquake insurance. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Mon, 11 Jan 2010 00:00:00 -0700</pubDate>
					 <guid isPermaLink="true">http://www.iinc.org/articles/347/1/The-Evolution-of-Earthquake-Insurance/Page1.html</guid>
					</item>

				

					<item>
					  <title><![CDATA[The Science of Earthquakes]]></title>
					  <link>http://www.iinc.org/articles/346/1/The-Science-of-Earthquakes/Page1.html</link>
					  <description><![CDATA[Three major factors determine the effect of an earthquake on a building or home and what you experience. First is the earthquake&#8217;s magnitude: The stronger the magnitude, the further away the quake&#8217;s seismic waves will be felt. However, the movement experienced during an earthquake doesn&#8217;t depend just upon its magnitude. Where you are located in relation to the earthquakes epicenter also has an effect. The farther away you are, the less shaking you feel, since the seismic waves lose energy as they travel through the earth. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Mon, 11 Jan 2010 00:00:00 -0700</pubDate>
					 <guid isPermaLink="true">http://www.iinc.org/articles/346/1/The-Science-of-Earthquakes/Page1.html</guid>
					</item>

				

					<item>
					  <title><![CDATA[The 1906 Earthquake and Fire]]></title>
					  <link>http://www.iinc.org/articles/345/1/The-1906-Earthquake-and-Fire/Page1.html</link>
					  <description><![CDATA[The earthquake and fire that devastated San Francisco on April 18, 1906 was one of the most significant natural disasters in the United States, as well as the history of insurance.&nbsp; It produced insured losses of $235 million at the time, equivalent to $5.4 billion in 2008 dollars.&nbsp; In 1906, just as today, shake damage from earthquake was excluded from standard property insurance policies.&nbsp; Damage from the fire which followed the earthquake was covered and constituted the vast majority of insured losses.]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Mon, 11 Jan 2010 00:00:00 -0700</pubDate>
					 <guid isPermaLink="true">http://www.iinc.org/articles/345/1/The-1906-Earthquake-and-Fire/Page1.html</guid>
					</item>

				
				  </channel>
				</rss>
			