An earthquake is a sudden, rapid shaking of and vibration at the surface of the Earth caused by energy being released along a fault plane. Initial mild shaking may strengthen and become extremely violent within seconds. Additional earthquakes, called aftershocks, may follow the initial earthquake for hours, days, or even months.
Earthquakes can happen at any time of the year and occur without warning, although they usually last less than one minute. There is no way to predict earthquakes as of right now, so it’s extremely important to prepare beforehand and know what to do when the time comes. With the large number of earthquakes California experiences, it is that much more important that all your family members, especially children, are well-versed in how to react correctly and quickly to earthquakes.
Be aware that electricity, water, gas, and telephones may not be working after an earthquake. The police and fire departments may also be tied up tending to others. Be prepared to fend for yourself for at least three days, preferably for a week.
Before an earthquake
- Prepare your emergency plan. Involve all your household members so that they all know what to do, who to contact, and where to go. If possible, conduct in-home practice drills, especially if you have children.
- Prepare an emergency kit. A basic emergency kit includes a battery operated radio and torch with spare batteries, first aid kit, sturdy gloves, a fire extinguisher, a copy of your home emergency plan and any important documents, and non-perishable food and drinking water (a gallon a day per person) for three days. Other important considerations for your emergency kit are a mobile phone charger and portable battery, prescriptions and medications, pet needs such as food and leashes, and clothing and strong shoes. More things to include are blankets, money, and an adjustable pipe wrench to turn off your gas and water if necessary. Make sure to store these in an easily accessible area for quick access. This kit can also be used for other disasters, such as floods or wildfires.
- Be aware of emergency broadcasters in your area. In the event of a disaster, you will need to be able to receive updates from emergency authority in your area.
- Secure items that could fall or move and cause injuries or damage in the event of an earthquake, such as bookcases, mirrors, light fixtures, televisions, computers, major appliances, and water heaters. Move beds away from windows and secure any hanging items over beds, couches, cribs, or other places people sit or lie. Store hazardous or flammable liquids, heavy objects and breakables on low shelves or in secure cabinets.
- Learn and practice “Drop, Cover, and Hold on.” Drop to the ground, cover your head and neck with your arms, and if a safer place is nearby that you can get to without exposing yourself to flying debris, crawl to it and hold on to maintain cover.
- Evaluate your home and strengthen areas that would be weak during an earthquake, if possible.
- Get your home insured against earthquakes.
During an earthquakeIf you are indoors
- Drop, Cover, Hold On. DROP to the ground, take COVER by getting under a sturdy table or other piece of furniture, and HOLD ON until the shaking stops. If there are no sturdy tables or desks near you, COVER your face and head with your arms and crouch in an inside corner of the building. Stay away from glass, windows, outside doors and walls, and anything that could fall, such as lighting fixtures or furniture.
- Stay in bed if you are there when the earthquake strikes. Hold on and protect your head and neck with a pillow, unless you are under a heavy light fixture that could fall. In that case, move to the nearest safe place. At night, hazards and debris are difficult to see and avoid, so attempts to move in the dark may result in more injuries than remaining in bed.
- If you are unable to get safely to the floor, identify an area away from windows and objects that could fall on you and get as low to the floor as possible. People who use wheelchairs or other mobility devices should lock their wheels, bend over, and remain seated until the shaking stops. Protect your head and neck with your arms, a pillow, a book, or whatever is available.
- Do not use a doorway unless you know it is a strongly supported, load-bearing doorway and it is close to you. Many indoor doorways are lightly constructed and do not offer protection.
- Stay inside until the shaking stops and it is safe to go outside. Do not exit a building during the shaking. Research has shown that most injuries occur when people inside buildings attempt to move to a different location inside the building or try to leave.
- Do NOT use the elevators.
- Be aware that the electricity may go out or the sprinkler systems or fire alarms may turn on.
- Stay there.
- Move away from buildings, streetlights, and utility wires.
- Once in the open, stay there until the shaking stops. The greatest danger exists directly outside buildings, at exits, and alongside exterior walls.
- If you are in a moving vehicle
- Stop as quickly as safety permits and stay in the vehicle. Avoid stopping near or under buildings, trees, bridges or overpasses, and utility wires.
- Proceed cautiously once the earthquake has stopped. Avoid roads, bridges, or ramps that might have been damaged by the earthquake.
- If you are in a mountainous area, beware of the potential for landslides.
- If you are near the ocean, be aware that tsunamis are associated with large earthquakes and get to high ground.
- If you are in a crowded public place, avoid panicking and do not rush for the exit. Stay low and cover your head and neck with your hands and arms.
After an earthquakeIf you are trapped under debris or cannot leave the building
- Do not light a match.
- Do not move around or kick up dust.
- Cover your mouth with a handkerchief or clothing.
- Tap on a pipe or wall so rescuers can locate you. Use a whistle if one is available. Shout only as a last resort. Shouting can cause you to inhale dangerous amounts of dust.
- If the building is damaged and there is a clear path to safety, leave the building and go to an open space away from damaged areas.
- If you have a cell phone with you, use it to call or text for help. Otherwise, use it only in the case of emergency to preserve battery.
- Be aware that aftershocks may occur for hours, days, and even months after an earthquake hits.
- Once safe, listen to local radio and follow emergency advice.
- Check for injuries and provide assistance if you have training, Assist with rescues if you can do so safely.
- If it’s safe, check for damage to walls, chimneys, and roof. If damage is found, turn off electricity, gas, and water at the mains and evacuate.
- Avoid driving unless in an emergency to keep the streets clear for emergency vehicles.
- Use extreme caution during post-disaster clean-up of buildings and around debris. Do not attempt to remove heavy debris by yourself. Wear protective clothing, including a long-sleeved shirt, long pants, work gloves, and sturdy, thick-soled shoes during clean-up. Be aware that items may fall out of cupboards or closets when the door is opened.
- If you leave home, leave a message telling friends and family your location.
What To Do After a Car Accident
Stay calm and alert
Your first priority should be the safety of yourself and everyone else involved in or around the accident. Check for injuries and call 911 if necessary. If possible, move out of the way of traffic so that no further accidents happen.
Tensions can get high after an accident, but don’t admit guilt or blame the other driver, regardless of how you feel. Call the police to see if they can send an officer out to take an accident report.
- Move yourself and your car, if possible, to a safe area, like the shoulder of the highway. If you can’t move your car, turn on your hazard lights to warn other drivers.
- Stop and turn off your vehicle when it’s safe. Take a breath to calm yourself, grab anything important if you can, and get out, making sure to watch for oncoming cars. Make sure not to leave the scene of the accident.
- Check on any others involved, including any drivers, passengers, or pedestrians. If anyone is hurt, call 911, even if it seems minor at the time.
- Contact the police. A police accident report can help provide an objective report of what happened when if you need to file a claim. Make sure not to admit fault or blame others at the event, and avoid revealing your insurance policy limitations or coverage.
- Gather and exchange information. Make sure to get all driver and passenger information (names, address, phone number, email address, driver’s license number), license plate numbers, insurance information (company and policy number), the make and model of all vehicles involved, the location and time of the accident, and the name and badge number of any police officers that come. Make sure to take photos of the accident scene if possible to help you during the claim process. If possible, get eyewitness information so they can help during the claim process.
- File your insurance claim. Contact your Henderson Insurance Agent as soon as possible to get the claim process started, and we’ll help you get your car repaired.
Prepare Before The Accident
Keep a safety kit in your car in case of emergencies. You should include items including a first-aid kit, a flashlight, jumper cables, road flares, any necessary medication, and food and water. Make sure to only have nonperishable food items, such as granola bars. Some other items to consider including are a portable smartphone charger and a space blanket or sleeping bag.
Put all your important documents, such as your insurance information, in an area that is readily accessible, like the glove compartment Although some accidents are unavoidable, do your best to prevent accidents by practicing defensive driving and never driving under the influence.
For more information about getting auto insurance, contact Henderson Insurances at (909) 784-2055.
It’s open enrollment season, which means now is the time to renew or change your health coverage for 2018.
Our certified agents are here to assist you in choosing an insurance plan that fits your needs.
Call us today at (909) 392-5535.
- November 1, 2017: Open Enrollment started — first day to enroll, re-enroll, or change a 2018 insurance plan through the Health Insurance Marketplace
- December 15, 2017: Last day to enroll in or change plans for 2018 coverage. After this date, you can enroll or change plans only if you qualify for a Special Enrollment Period.
- January 1, 2018: 2018 coverage starts, if premium paid
Call us now to see if you qualify for Subsidies to help pay the premiums.
FREE Quotes Online at: www. BrokersWhoCare.com
Call us at (909) 392-5535
Thousands of people are diagnosed with a critical illness or are seriously injured and most are surviving today thanks to advanced technology. A Critical Illness policy can provide a cash payment to use in a variety of ways. Some included, the unexpected loss of income, the out-of-pocket medical costs and travel for medical care as well as some home healthcare and rehab services.
A Critical Illness Policy will help give you freedom to keep your assets, get the necessary treatment and spend time with your family. Most policies pay out a onetime cash payment which is yours to spend how you need to.
A Critical Illness Policy will help pay you for living.
Call us today for more information and a no obligation quote.
Henderson Insurance – (909)392-5535
Many people purchase an insurance policy when they first move into a home, get a license, purchase a vehicle or start a business. But what you may not understand is the importance of periodically reviewing the policies and reassessing your needs. By not doing this, it can lead to an inaccuracy that may ultimately lead to a gap in your coverage.
We all have busy daily lives and before you know it, a year or more has slipped by without you giving your insurance coverage a thorough review.
There are a number of life changes and events that should cause you to pick up the phone and call your insurance agent. Here are 11 questions you should be prepared to address:
What have I added or updated around my home?
- What has changed with my vehicles or drivers?
- What significant purchases have I made?
- What is new with my family? (job change, attending college away from home, etc.)
- Are there any discounts for which I now qualify for?
- Should I consider any coverage options?
- Do I need any disaster coverage; such as flood or earthquake?
- Is my home inventory current?
- Can I afford to raise my deductibles, and would it lower my insurance costs?
- Am I carrying high enough liability limits to protect myself?
- Is an Umbrella Policy right for me?
Don’t let another year slip by. There is nothing worse than thinking you are fully covered and finding out you are not when you file a claim. Your insurance policies should replicate the life you live now. Make an appointment with your agent to review you upcoming renewal.
Floods can happen anywhere it rains.
Earthquakes can happen at any time.
- Buy Flood insurance- Typically, it takes 30 days for a new flood insurance policy to take effect. So get it now.
- Take Inventory– Thoroughly document your belongings to support any insurance claims. Visit https://www.knowyourstuff.org/iii/login.html for more information.
- Write Down Important Information – have a list of important information and put it in a secure location. Items to include would be:
- Important Telephone Numbers
- Names, addresses and phone numbers of your insurance agents, including policy numbers.
- Telephone numbers of electric, gas, and water companies.
- Names and phone numbers of your neighbors
- Name and telephone number of your landlord or property manager
- Important medical information for you and your family, such as allergies, medications, etc.
- Vehicle identification number for each of your vehicles, boats, etc.
- Financial account information – phone, account numbers.
- Birth Certificates
- Ownership Certificates
- Social Security Cards
- Insurance Policies
Holiday Drive for Local Animal Shelters
Denotations for our Local Animal Shelters being collected at:
Henderson Insurance Services
2123 Third Street
La Verne, CA. 91750
2124 Third Street
La Verne, CA. 91750
Drop of during business hours only.
The following items are being accepted:
- Food (sealed)
Donations accepted until December 30th.
If there’s anything more satisfying than melting into the couch following a multi-course Thanksgiving dinner complete with all the fixings, it has to be shopping for the best deals of the season the day after.
Hitting the shops on Black Friday has become a ritual that is as all-American as watching fireworks on the Fourth of July. And why wouldn’t it be, considering what a win-win it is for customers and retailers alike?
Over the years, however, Black Friday has evolved. Stores that used to open at 6 a.m. now open at midnight, and Cyber Monday has entered the picture, offering bargain prices online the Monday following Black Friday. All of this means that getting the best deals now requires a bit of strategy.
At Henderson Insurance Services, we want you to get the best deals for your holiday shopping, so here are a few pointers for maximizing your experience.
- Be willing to forego the shut-eye. It’s a fact: stores open early. Accept that you will not get eight hours of sleep Thursday night (and remind yourself that your wallet will thank you).
- Do your research. Go online before the holiday and note who has deals on what and when. Remember to factor in your opportunities for Cyber Monday.
- Pick your favorites. You probably won’t have time or energy to go everywhere, so narrow your shopping store list down to focus only on your favorite stores or those that are offering sales on exactly what you’re looking for.
- Create an itinerary. Before you go, make a list of stores in order of priority based on times they open and items you want to snap up. Then, map it so you know your route.
From the Henderson Insurance Services to you, we wish you a very productive and enjoyable Black Friday!Fun fact:
Considered as the kick-off to the Christmas holiday season, Black Friday is often described as the busiest shopping day of the year. This has been true since 2005. The millions of Americans who shop on Black Friday have been keeping the streak alive for nearly seven years.