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				<title><![CDATA[Insurance Information Network of California - Articles - Earthquakes]]></title>
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					  <title><![CDATA[The Earthquake Page]]></title>
					  <link>http://www.iinc.org/articles/418/1/The-Earthquake-Page/Page1.html</link>
					  <description><![CDATA[Nearly 8.5 million people across California will participate in the Great California ShakeOut earthquake drill. While this drill serves as a reminder for all to prepare for earthquakes, the following page will help Californians with what to do before a real temblor strikes. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Wed, 19 Oct 2011 00:00:00 -0600</pubDate>
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					  <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>
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					  <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>
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					  <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>
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					  <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>
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					  <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>
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					  <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>
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					  <title><![CDATA[Earthquakes]]></title>
					  <link>http://www.iinc.org/articles/344/1/Earthquakes/Page1.html</link>
					  <description><![CDATA[The earth&#8217;s surface is broken into plates that move and shift. When the plates bump up against each other, the sudden vertical or lateral movement releases seismic waves, which we feel as an earthquake. According to the U.S. Geological Survey, there are more than three million earthquakes worldwide each year. While the vast majority of those are magnitude 3.9 or lower, more than 900 earthquakes measure 5.0 or higher each year. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Mon, 11 Jan 2010 00:00:00 -0700</pubDate>
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