Saturday, May 25, 2013

Posts Tagged ‘earthquake’

Earthquake Los Angeles: Earthquake Los Angeles Today

Earthquake
by Zoriah

Earthquake Los Angeles: Earthquake Los Angeles Today

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WATCH Earthquake 2010 Los Angeles new VIDEO here.

Earthquake Los Angeles, Earthquake Los Angeles Today, Earthquake, Earthquake Today, Earthquake La, Earthquake California.

An early morning earthquake prompts LA media frenzy. Are California news people scared to death? Reporting on earthquakes requires time and effort.

A magnitude 4.4 earthquake struck near Los Angeles on Tuesday, awakening residents but causing no apparent damage in the second largest U.S. city, the U.S. Geological Survey and witnesses said. Police at the epicenter of Pico Rivera, …

An earthquake east of downtown Los Angeles rippled acrossSouthern California before dawn Tuesday, jolting millions of people awake and putting first-responders on alert but …

California Earthquake Reactions And A ‘New Moon’ Shocker In Today’s Twitter-Wood MTV.com (blog) A 4.4 earthquake hit Los Angeles this morning, and I though she didn’t seem to notice on her account, it registered with other faces in …

Los Angeles News Media Dumbfounded by 4.4 QuakeEverything PRLos Angeles Times author Ruben Vives’ headline reads “4.4 earthquake jolts the LA area”, indicating perhaps the early morning tremor moved lots of stuff …

California Earthquake Reactions And A ‘New Moon’ Shocker In Today’s Twitter-Wood MTV.com (blog) A 4.4 earthquake hit Los Angeles this morning, and I though she didn’t seem to notice on her account, it registered with other faces in …

A magnitude 4.4 earthquake struck near Los Angeles on Tuesday, awakening residents but causing no apparent damage in the second largest U.S. city, the U.S. Geological Survey and witnesses said. Police at the epicenter of Pico Rivera, …

Earthquake Los Angeles, Earthquake Los Angeles Today, Earthquake, Earthquake Today, Earthquake La, Earthquake California.


Article from articlesbase.com

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India Real Estate – Highrise Buildings : Now Earthquake Protection With Warranty

Earthquake
by Zoriah

India Real Estate – Highrise Buildings : Now Earthquake Protection With Warranty

An earthquake is the most extreme condition that any building may be required to survive during its lifetime. To survive the natures might safely and surely also poses the greatest challenge to the architects and structural engineers. However the modern day computational power and the technological advances in the earthquake protection industry has made the solution once considered un-surmountable a reality. There are numerous companies specializing only in Earthquake Protection.

Today most medium and high-rise buildings are following Life-Safety Design, more popularly referred as Earthquake Resistant Design for protection against earthquakes. However the awareness amongst people living in the seismic regions is increasing and they are now aware that for a small additional cost they can get a much higher Earthquake Protection for their buildings than what is mandatory as per the seismic codes. As the seismic codes are based on the Life-Safety / Earthquake Resistant design so they are aiming to prevent a total building collapse in case of a major earthquake, thereby saving lives. For the user/owner of the property this implies that even an Earthquake Resistant building does not provide any guarantee that it would be habitable for living / doing business after a major earthquake. The earthquake will structurally damage the building and incase the damage is above a threshold level there would be no option but to demolish and re-construct.

The architects and structural consultants are therefore are no longer designing only to meet the government building code requirements but are going by the seismic performance criteria being demanded by their clients, in addition to the mandatory requirements of the building codes. Building codes are applicable to all buildings at large belonging to all strata of society and therefore the socio-economic conditions need to be carefully looked into before formulating them. For this reason it is not possible to lay down the stringent earthquake safeguards as many would not simply be able to afford the associated cost.

The risk assessment exercises by the major insurance companies and financial institutions is another factor encouraging people to reduce risks by going in for the state-of-the-art earthquake protection technologies. Businesses want to limit the threat to their employees as well as cover their business against losses due to earthquakes. The insurance companies world over are refusing to guarantee such losses unless the buildings which house these businesses adhere to enhanced safety standards. The reduced insurance premiums and financing at lower rates of interest more than compensates for the cost of enhanced earthquake protection in the long run. Most earthquake protection devices come with a warranty of upto 35 years which can be further enhanced after a performance related test when the initial warranty period gets over. Typically the life of earthquake protection devices is greater than the life of the building per se.

In United States it is mandatory for the computer data centers mushrooming all over to be designed to withstand the severest of the earthquakes as they house the sensitive data of not one but many hundreds of businesses. The repercussions of not designing buildings to withstand earthquakes are grave. Similarly the US government has laid down very strict compliance criteria for seismic performance of hospitals; they say “you cannot have deaths due to building collapse in a place that is meant to treat earthquake victims”. Various government departments are also paying a great deal of attention on keeping essential infrastructure like public buildings, bridges and airports operational even in case of a major earthquake.

“Immediate Occupancy” and “Fully Operational” during and post a major earthquake is the criteria that is spelt out for important structures. The architects and structural consultants are then asked to meet these criteria. This design concept is also known as Performance Based Design.

As the awareness and economic prosperity is increasing, more and more people want to reduce risks. Not to forget the urge of many upwardly mobile to live in high-rise buildings away from the pollution and noise with their balconies overlooking the cityscape giving them a sense of achievement, superiority and contentment after a tiring days work. However many have started to realize the peril of staying in a high-rise, they become more vulnerable to the seismic effects. Vulnerability can be explained by taking the example of Dubai, 10 years back when high-rises didn’t exist, people use to only come to know of the earthquakes happening in Iran through Newspapers, now with numerous buildings 25 storeys and more their have been instances when the buildings have undergone evacuation because of excessive swaying even for medium intensity earthquakes happening in Iran. A major earthquake will almost certainly cause great structural damage in buildings not incorporating the safe guards.

For enabling the architects and structural consultants to undertake Performance Based Design the client would have to spell out two parameters i.e. Peak Earthquake Intensity and Perceived Distance of the building from the earthquake epicenter. Typically a 6.5 magnitude earthquake with its epicenter 50-100 Kms away is considered good protection criteria. Some may contend with having their buildings designed to resist upto 6.5 magnitude earthquake on the Richter scale where as another person would demand a structural performance even in the case of a magnitude 8.0 earthquake simply because he/she is not willing to accept the associated risk that the earthquake damage may expose him to. The structural consultant then selects an appropriate set of “earthquake time-histories” recorded from earlier earthquakes and designs the structure by undertaking “Time-History Analysis” such that the inter-storey displacements always stay in the elastic range, thereby implying No/Insignificant structural damage even during a major earthquake. Buildings not employing advanced earthquake protection will most certainly sustain high degree of structural damage as the only way the earthquake energy can be absorbed by any building is by way of causing some damage. When a building is subjected to a major quake, energy is absorbed by cracking of concrete and elongation of steel beyond the elastic limits. This damage to the structural members if beyond a threshold level can be dangerous. There does exists another way of absorbing earthquake energy i.e. Dampers.

The most efficient and cost effective way to achieve energy dissipation in buildings is by using Earthquake Dampers. Dampers are mechanical devices that look some what like huge shock absorbers. Dampers function is to absorb and dissipate the energy supplied by the ground movement during an earthquake so that the building remains unharmed, their functioning is also akin to shock absorbers. Whenever the building is in motion during a earthquake tremor they help in restricting the building from swaying excessively and thereby preventing structural damage. The earthquake energy absorbed by these dampers gets converted into heat which is then dissipated into the atmosphere. Dampers thus work to absorb earthquake shocks ensuring that the structural members i.e. beam and columns remain unharmed. There are four types of dampers i.e. Viscoelastic, Friction, Metallic Yield and Fluid Viscous. Many companies specializing in the field are making a bee-line for establishing operations in India. India’s success story of economic growth and the projections for the immediate future, coupled with the heightened seismic activity in the region over the past few years, has led many to look at India as a attractive market destination. For low-rise buildings base isolation technique is also extremely popular. In Base-Isolation the structure above ground is separated from the foundation by inserting rollers/pads between the foundation and the building. These isolators allow the structure to move independently of the shifting ground below, thereby effectively isolating it from the ground motion. Base Isolation is however not appropriate for all buildings and is suitable for only low rise buildings upto 2-3 storeys that have a much larger spread than its height.

Dampers on the other hand are most suitable for high-rise buildings and are in extensive use the world over. High-rises also happen to be the most susceptible to earthquakes. Over the years Fluid Viscous Dampers have come out as clear leaders in seismic applications. Many hundreds of projects have incorporated the technology and the count is increasing by the day. The cost effect for Fluid Viscous Dampers is in the range of Rs. 150 to 200 per square foot, other types cost less however do not come with associated warranties. Dampers manufactured by Taylor Devices have a performance warranty of 35 years which can be further enhanced after testing; however their life is considerably more as they are designed to last more than the building.

Dampers can be installed in existing and new buildings with ease. This makes them extremely versatile for retrofit projects i.e. buildings that need to be seismically upgraded to meet the Revised Seismic Codes. In India the Seismic Code IS-1893 was last revised in the year 2002 after valuable lessons learnt during the Gujarat earthquake. There are many who desire their building also needs to be upgraded to the revised standards. Dampers are ideally suited for this job as it requires minimal civil construction works and the job can be easily undertaken with the building being simultaneously in use. Incase of new buildings by installing Earthquake Dampers you can achieve a protection level much higher than the Earthquake Resistant/ Life Safety design. In most structures, the Dampers stay hidden in partition walls and inconspicuous locations and, therefore, are not visible to occupants. However there are many architects who have used the diagonal, A and V placing of the dampers to give an aesthetic appearance.

Silvertie Centre in Beijing is presently the tallest building in China and towers 63 storeys. It has dampers installed to counter the adverse earthquake and wind effects so as to preserve the structural integrity. As for the seismic susceptibility, Beijing can be compared to Indian Seismic Zones 3 & 4. There are many propagandists of high-rises who time and again have written about converting the Indian cityscape to resemble those of Hong Kong, Singapore and Dubai. It is important for them to realize that all of these cities fall in the Non-Seismic regions and therefore the architects and structural consultants there only take into account the wind effects while designing structures. India on the other hand falls in the seismic belt and therefore should be compared only to cities in Japan, Taiwan, China, USA ( San Andres fault line) etc. In all of these countries there exist stringent guidelines for tall buildings, it is yet to be seen how and with which regulations the authorities in India confront this issue. Some of the other high-profile buildings incorporating dampers are Sky-bridge of Petronas tower Malaysia, JR Tokai Shin Yokohama station in Japan, Jan-Ron Ritz building in Taiwan, 67 storey Park Hyatt hotel in Chicago, Yerba Buena tower in San Francisco, 55 storey Torre Mayor in Mexico, which also happened to win the award for the best seismically engineered structure in 2005 after the structural engineers monitored the building performance during and post an real life earthquake of magnitude 7.6 on the Richter scale which hit just off the coast of Colima, Mexico (January 21, 2003). Substantial Shaking was felt in Mexico City, but Torre Mayor performed without a scratch. There are hundreds in the list of buildings incorporating dampers ranging from single storey to the highest that the world has seen, a Google search would bring forth hundreds on your screen.

Fluid Viscous Damping technology is also used to protect bridges. When used in bridges the orifice of the giant shock absorbers is substantially reduced so as to get what is known as Shock Transmission Unit (STU). STUs are very widely used in all types of bridge construction as they not only help in protecting bridges from seismic effects but also reduce costs by facilitate load sharing amongst various sub and super structure components. Sutong Changjiang river bridge which also happens to be the worlds longest cable stayed bridge uses these devices extensively and so does Nanjing 3rd Crossing bridge which has the title of the second largest cable stayed bridge to its credit. A glance at the photographs/ rendering of these bridges cannot but take our minds to the striking similarity to the Bandra-Worli sea-link. It is to be seen as to what safety standards the Government insists on this project. The metro projects in Seattle and Taiwan also make extensive use of this technology i.e. Seattle Central Link Light Rail and Taiwan High Speed Rail; however we do not come across this technology being used in Delhi which lies in Seismic Zone-IV. Taylor Devices are the leading manufacturers of Fluid Viscous Dampers for the earthquake protection of buildings and Shock Transmission Units for protection of bridges and flyovers.


Article from articlesbase.com

A Magnitude 6.3 Earthquake has hit Christchurch, New Zealand, at a depth of 5 km and centred 10 km south-east of the city. There are reports of major damage to buildings and infrastructure.

What Do You Need To Know About Earthquake Insurance

Earthquake
by IFRC

What Do You Need To Know About Earthquake Insurance

What do San Diego County residents have to know about Earthquake Insurance Policies, Risks and Costs?

 

Quality Claims Management views Earthquake coverage as catastrophic insurance. You will only need it if we have a really big earthquake. However, depending on where you live in San Diego and how much you have invested in your home, you may opt to get coverage. Here is what you need to know.

 

First, most standard homeowners, mobile home owners, condominium, and renter’s insurance policies DO NOT cover earthquake damage.  Similar to flood insurance, earthquake insurance usually must be purchased separately.

 

However, fire insurance is part of most typical homeowners insurance policies. This means your home insurance policy may cover a significant part of the damage if your home burns down or is damaged in a fire that is caused by an earthquake.

 

Much of the damage that often arises from an earthquake happens after the ground stops shaking. Gas lines that may have ruptured and start leaking can catch on fire and burn your home to the ground.  In San Diego County, it is also very possible that your home may be consumed in a wildfire sparked caused by earthquake motion many miles away.  A power line may have collapsed. A home may have caught fire because of the quake and flames traveled many miles through brush to your home.

 

Another major factor is water damage. Quakes often break pipes. Even small quakes can crack a water or sewer pipe that floods your home and can cause extensive damage to your floors, rugs, furniture – even to the structure of your home.

 

If your homeowner’s insurance includes fire and flood damage, you should be covered for this “earthquake” damage – even if you don’t have earthquake insurance. 

 

Another danger from earthquakes is landslides. You may or may not be covered for this. You need to check your homeowner insurance policy to make sure of your coverage for both landslide and fires. If your home does burn down, are you fully covered? Will you be able to replace your home and all of your belongings.

 

Check our other articles about homeowners insurance for details about coverages and what you need to know.

 

Where do you get Earthquake Insurance?

The law requires insurers that sell residential property insurance within the state of California to offer earthquake coverage to their policyholders.  Most of these California earthquake insurance policies are backed and administered by a government organization known as CEA – the California Earthquake Authority 

 

Even though most earthquake insurance policies are sold by the state-run insurance pool, a few private companies also sell earthquake coverage. In order to provide earthquake coverage, insurance companies can become a CEA participating insurance company and offer the CEA’s residential earthquake policies or they can manage the risk themselves.  To date, companies that sell over two-thirds of the residential property insurance in the state have opted to become CEA participating companies.

 

 

According to the CEA website, the CEA homeowners policy is designed to help get you back into your home after an earthquake.  The CEA base-limits policy for homeowners includes:

 

Dwelling coverage - The coverage limit is the insured value of your home stated on your companion homeowner policy.

* Personal Property coverage - ,000

* Additional Living Expense/Loss of Use coverage - ,500

* You may select either a 10% or 15% deductible on your Dwelling coverage, and CEA’s increased-limit options allow you to increase Personal Property coverage to as much as 0,000 and Additional Living Expense/Loss of Use coverage to as much as ,000.

Residential property insurance includes coverage for homeowners, condominium owners, mobile home owners, and renters. 

 

Earthquake insurance is not intended for smaller losses as you must have enough damage to surpass your deductible.  Even though deductibles are generally 10-15% of the amount of the Coverage A limits, it can be a little confusing to calculate the actual deductible amount since there are several factors that go into the formula.

 

How will your home handle an earthquake – Do you need Earthquake Insurance

 

- where in San Diego County do you live (see part 1)

- what is under your house (rock, sand, fill, etc?)

- how is your home constructed – is it up to code and why that matters for your coverage

 

Age and type of construction contribute to how a residential structure reacts during an earthquake.  Based on the scientific and engineering research, the CEA premiums reflect the following rating factors:

 

- In general, houses built on a slab perform better than those built on a raised foundation.

- One-story houses are less vulnerable to earthquake shaking than multi-story houses.

- Unreinforced masonry structures are more susceptible to damage than those of wood-frame construction.

- Houses of a certain age are not as strongly constructed as others.

 

The type of home you have affects your risk. One-story homes that are “tied together” — with the roof bolted to the walls, and the walls to the foundation — tend to survive earthquakes and windstorms better than multistory homes that aren’t. As you would expect, houses with big openings, such as plate-glass windows or large garage doors, fare worse than ones without those features.

In addition, your home can be substantially fortified with some special construction measures.  For many, this can be a better investment than buying earthquake insurance.
The Institute for Business and Home Safety has a “Fortified For Safer Living”  program that specifies building techniques that can help homes better withstand disaster.

 

 

 

Other California Earthquake Insurance Factors

 

No Known Loss Letter Requirement

 

In areas that have been previously affected by an earthquake or other catastrophic event, an insurer may require a “No Known Loss Letter” with all requests for earthquake insurance or to add earthquake coverage to an existing policy. These kind of letters letter confirms that no known losses or damages have already occurred to the requested coverage location(s).

 

 

DIC Policy

 

DIC (Difference in Conditions) insurance provides coverage designed to close specific gaps in standard insurance policies. It allows coverage to be customized to extend to such exposures as water damage, flood, collapse, earthquake, landslide, etc., according to the insured’s needs. DIC coverage may be provided by means of a separate insurance policy or it may be added by endorsement to the basic policy.

 

Is Earthquake Insurance Right For You? How Much Equity Do You Have In Your Home?

 

As mentioned earlier, we view Earthquake coverage as catastrophic insurance. You will only need it if we have a really big earthquake. The more equity you have in your home, the more you need insurance.

 

According to UnitedPolicyHolders,  a non-profit organization that fights for the rights of insurance consumers and educates individuals and businesses on how to get fair treatment,   “a generally accepted rule of thumb is that you should not risk more than 10 percent of your liquid assets. A large earthquake could mean 10 to 100 percent of your home’s structure could be damaged or destroyed, up to 20 percent of your belongings could be damaged, and/or you may need to come up with ,000 a month for temporary rent and relocation costs.” 

 

In San Diego, we get lots of smaller quakes on a regular basis.  These are reminders to YOU to review your current coverages to be sure that you are adequately insured. Is your current homeowner’s insurance up to date? Will it pay to rebuild your home to current building codes? Do you have additional coverage and riders for all the new stuff yiou may have acquired since you first bought your insurance policy?

 

Remember, it is far more likely you will have pipes break or fires start from the smaller earthquakes. If either of these happen, you should have coverage under your regular homeowners policy. Check to make sure it is up to date and that you have enough coverage. As a result of the 2003 and 2007 wildfires, we have found that most homeowners in San Diego are underinsured.

 

By the way, businesses should review their policies to be sure they have EQSL – or Sprinkler Loss coverage. There is a greater chance you will suffer damage from sprinklers leaking than from a building falling down.

 

 

 

RESOURCES

 

The California Earthquake Authority is a publicly managed, largely privately funded organization that provides catastrophic residential earthquake insurance and encourages Californians to reduce their risk of earthquake loss.  http://www.earthquakeauthority.com

 

Only a CEA participating insurance company or its agent can give you an exact CEA-premium quote, but to get a good estimate of the cost, use their handy premium calculator.

 

UnitedPolicyHolders.org – United Policyholders is a non-profit that fights for the rights of insurance consumers and educates individuals and businesses on how to get fair treatment.

 

Quality Claims Management online article with maps to find out if your home is in a danger zone – check for landslide, liquefaction and earthquake fault zones. http://www.qualityclaims.com/homeowner.aspx?sect=_quakeinsurance

Ronald R. Reitz, CPPA, President of Quality Claims Management, http://www.qualityclaims.com, pioneered the National Hazard Insurance Claims business of GMAC-RFC (now GMAC-ResCap). Mr. Reitz left GMAC-ResCap in January 2007 after ten years of managing the Insurance Services group. He is the past President of the California Association of Public Insurance Adjusters (CAPIA) and is currently an officer on the Board of Directors of the National Association of Public Insurance Adjusters (NAPIA) www.napia.com. Recognized as a leading expert on hazard claims, he is serving on many industry panels, as well as providing consulting and training services industry-wide. Quality Claims Management Corporation provides hazard claim recovery services to investors, mortgage servicers, homeowners and businesses. All claims are adjusted by licensed insurance professionals for an equitable settlement and accelerated resolution timelines. Quality Claims is nationally licensed as Public Insurance Adjusters or Insurance Consultants and complies with Department of Insurance Regulations


Article from articlesbase.com

Party Leaders Offer Bold Predictions Ahead of ‘Earthquake’ Election – Fox News

In their closing arguments, Republican and Democratic party leaders offered bold predictions Sunday ahead of an election which could shift the balance of power in Congress and fundamentally alter President Obama’s policy agenda during his next two years in office. 

Democrats, keeping their chins up, urged the pundits to stop writing the obituary for their congressional majority, predicting Democratic candidates would defy the odds on Election Day. They downplayed the ubiquitous comparisons to Republicans’ surge in the 1994 midterm elections, claiming voters are nowhere near as enthused by the GOP this time around. 

Republicans, not going so far as to predict a total congressional takeover, nevertheless said Tuesday’s results are going to send a strong message to Washington. 

“I think it’s going to be a political earthquake, and the message will have been sent to the political left that they blew it,” Sarah Palin, former Alaska governor and a potential 2012 presidential candidate, told “Fox News Sunday.” “They’re going to say, ‘you blew it, President Obama.’” 

Mississippi Gov. Haley Barbour, chairman of the Republican Governors Association, said that if Republicans win big, it will stand as “a repudiation of Obama’s policies.” 

Party officials were competing to explain what the results of Tuesday’s election would mean nearly 48 hours before polls open. With candidates making their last-minute push for votes on the campaign trail over the weekend, political leaders in Washington are on edge as they try to determine what the expected Republican gains will look like. Republicans need 39 seats to take the House and 10 to take the Senate, though polls suggest the GOP has a much stronger shot at a majority in the House. 

Speaking on NBC’s “Meet the Press,” Democratic National Committee Chairman Tim Kaine said that the election “is a choice,” and “not a referendum.” He was countering Republican attempts, in congressional races across the country, to discredit Democratic candidates by linking them to President Obama’s policies ranging from the heath care overhaul to the stimulus. 

Kaine, along with other top Democrats, sounded an optimistic note about his party’s chances. 

“We believe we’re going to hold on to both houses,” Kaine said, speaking alongside Barbour.

Rep. Chris Van Hollen, D-Md., chairman of the Democratic Congressional Campaign Committee, predicted the U.S. House of Representatives would stay blue. He said early voting trends favor Democrats and that undecided voters are not breaking for Republicans by the margins anticipated. 

“I believe Democrats are going to hold onto the House,” Van Hollen said on “Fox News Sunday.” 

He said voters will not send a 1994-style wave of Republicans to Washington because “they don’t want to return to a set of policies that got this country into a total mess,” suggesting Obama’s talking points from the past several months are finally resonating with voters. 

Obama’s principal argument as he criss-crosses the country in support of Democratic candidates has been that Republicans will take the country in “reverse” and that Democrats just need more time to set things right. 

Sen. Menendez, D-N.J., chairman of the Democratic Senatorial Campaign Committee, also said the Republican “brand” is nowhere near as good in 2010 as it was in 1994. 

But Sen. John Cornyn, R-Texas, Menendez’ GOP counterpart, said on ABC’s “This Week” that the party has built a “coalition” of independents, Republicans and “disaffected Democrats” that will sweep its candidates into office on Tuesday. 

“I think we’ll make a lot of headway. I’m not predicting that we will get the majority this cycle. I think it probably is going to take two cycles, but there is certainly a potential there, depending on just how high and how broad this wave election is,” he said. 

Click here for more Fox News “Days to Decide” coverage

Nation – Google News

 

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