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There is an estimated 30 per cent chance of a major earthquake hitting B.C. in the next 50 years, according to Natural Resources Canada. But many homeowners aren't covered. “Windstorm, hail, wildfires – they are all automatically included in a comprehensive homeowner’s policy, but earthquake is not,” said Linda Dolan, president of the Insurance Brokers Association of B.C. (IBABC). A proper plan for what to do the moment calamity strikes can ensure the years ahead aren't more stressful and frustrating than they have to be. This goes beyond the immediate needs of evacuation, or having enough food and water for everyone in your household to get through the first 72 hours after a disaster. If you do need to evacuate, knowing the location of personal identification, insurance policies, medical prescriptions, contact information, computer backups, and other documents is essential so they can be grabbed at a moment’s notice. Having cash on hand can be useful in a widespread catastrophe because debit and credit card payment systems can suffer outages. Internet service, cellphone reception and electrical power can also be interrupted. In the long term, insurance can be the best tool you have available to stave off the lasting pain of a disaster. When an incident harms a large area, a community takes much longer to get back to normal. After all, construction crews cannot roll in and begin rebuilding the next day, says Dolan.
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