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				<title><![CDATA[Insurance Information Network of California - Articles - Home]]></title>
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					  <title><![CDATA[Wildfire Prevention]]></title>
					  <link>http://www.iinc.org/articles/21/1/Wildfire-Prevention/Page1.html</link>
					  <description><![CDATA[Many rustic regions have become popular home-building areas, placing more Californians in danger of brushfire than ever before. Since 1970, the population of 11 California counties &#8211; nine of them forested &#8211; has grown by more than 150 percent.There are more than 200 California communities in urban/wildland areas that are considered high-risk. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Fri, 27 Jan 2012 00:00:00 -0700</pubDate>
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					  <title><![CDATA[Flood Damage Vs. Water Damage]]></title>
					  <link>http://www.iinc.org/articles/18/1/Flood-Damage-Vs-Water-Damage/Page1.html</link>
					  <description><![CDATA[Water, water everywhere, but not a drop should be there. With dismay, you discover that your home is filled with damaging water. Will your insurance policy cover this loss? That depends on the type of insurance you chose to purchase and how the water entered your house.There basically are two insurance policies that deal with a homeowner's damage due to water -- a flood insurance policy and a homeowners insurance policy. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Mon, 23 Jan 2012 00:00:00 -0700</pubDate>
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					  <title><![CDATA[Protect Your Home From Burglars Before You Go On Vacation]]></title>
					  <link>http://www.iinc.org/articles/30/1/Protect-Your-Home-From-Burglars-Before-You-Go-On-Vacation/Page1.html</link>
					  <description><![CDATA[Before you pile your luggage in the car or get your airline tickets ready for that long awaited vacation, make sure that once you leave, you won't return to an empty house. IINC suggests you follow some simple guidelines before your next trip.]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Sun, 13 Nov 2011 00:00:00 -0700</pubDate>
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					  <title><![CDATA[Is Your Home Fire Safe?]]></title>
					  <link>http://www.iinc.org/articles/25/1/Is-Your-Home-Fire-Safe/Page1.html</link>
					  <description><![CDATA[Wildfire season isn't limited to summer and fall any more.&nbsp; Before things really heat up, California homeowners can take simple steps to protect their homes and neighborhoods against wildfires.Another item to remember is to check and update your homeowner insurance. Unfortunately, some homeowners affected by fires discover that they're underinsured.]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Tue, 06 Sep 2011 00:00:00 -0600</pubDate>
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					  <title><![CDATA[Underinsurance Q & A]]></title>
					  <link>http://www.iinc.org/articles/317/1/Underinsurance-Q--A/Page1.html</link>
					  <description><![CDATA[What is underinsurance?&nbsp; Underinsurance describes when an insurance policy has a stated limit that does not adequately cover the replacement cost of the insured item. This could include a home, auto, jewelry or artwork. The process of adequately insuring property is also known as &#8220;insuring to value.&#8221; In this article, IINC addresses underinsurance and how to prevent it.]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Mon, 27 Jun 2011 00:00:00 -0600</pubDate>
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					  <title><![CDATA[Flood Insurance: What Every Homeowner Needs To Know]]></title>
					  <link>http://www.iinc.org/articles/37/1/Flood-Insurance-What-Every-Homeowner-Needs-To-Know/Page1.html</link>
					  <description><![CDATA[Did you know that most homeowners insurance policies do not offer protection against flood losses? Standard homeowners policies will cover the damage a storm might cause to your home and possessions, but exclude damages from what is known as "rising water." Why? Insurance is essentially a device to spread risk, and few homeowners really need or would purchase this coverage.]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Thu, 23 Dec 2010 00:00:00 -0700</pubDate>
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					  <title><![CDATA[Dog Bite Liability]]></title>
					  <link>http://www.iinc.org/articles/370/1/Dog-Bite-Liability/Page1.html</link>
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Your dog may be your best buddy, but he can also become a financial liability if he bites someone. Dog bite litigation is on the rise, and coupled with increased medical costs, is causing a rise in the cost of dog bite liability claims.
Dog bites accounted for more than one-third of all homeowner insurance liability claims paid out in 2009, costing $412 million and up 6.4 percent from 2008, according to the Insurance Information Institute. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Tue, 17 Aug 2010 00:00:00 -0600</pubDate>
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					  <title><![CDATA[Federal Disaster Assistance]]></title>
					  <link>http://www.iinc.org/articles/320/1/Federal-Disaster-Assistance/Page1.html</link>
					  <description><![CDATA[California is a state fractured by faults, rich with thick, combustible vegetation and vulnerable to violent storms.&nbsp; Millions of Californians are exposed to natural hazards which may have disastrous consequences.Following a disaster, federal recovery relief may be available to victims. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Sun, 30 Aug 2009 00:00:00 -0600</pubDate>
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					  <title><![CDATA[Know Your Rights:  Laws Protecting Fire Survivors]]></title>
					  <link>http://www.iinc.org/articles/223/1/Know-Your-Rights--Laws-Protecting-Fire-Survivors/Page1.html</link>
					  <description><![CDATA[A list of California Insurance laws benefitting survivors of natural disasters.]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Tue, 30 Oct 2007 00:00:00 -0600</pubDate>
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					  <title><![CDATA[The Importance of a Home Inventory]]></title>
					  <link>http://www.iinc.org/articles/36/1/The-Importance-of-a-Home-Inventory/Page1.html</link>
					  <description><![CDATA[Try this game. Sit in the kitchen with a pen and paper. Without looking, try to write down the entire contents of your living room. Now, check to see how many items were missed. Did you remember the drapes&#8230;the carpet&#8230;the rugs? Now try it again with every other room in the house. It may be surprising to see how many items you have overlooked.&nbsp; ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Fri, 29 Dec 2006 00:00:00 -0700</pubDate>
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