Articles and More

    Earthquakes can result in damage to your home and injury to your pets.

    Our ARTICLES AND MORE section can give you the knowledge you need to be prepared — just in case!

    WHN TIP – Be safe, be smart and be prepared!


  • Keep Your Focus on Safety This Summer

    June is National Safety Month. With that in mind, here are three areas where you can up your safety quotient. (Visit the NSC website for more information and downloadable resources.) Emergency Preparedness Whether caused by a natural disaster, health issue or an accident, emergencies can happen at any time. And even with 9-1-1, there’s still […]

    Read More
  • Earthquake Resources

    Government and State Resources Earthquake Hazards Program – USGS Learn more about earthquakes in the Northern California regions. Click on ‘General Quake Info’ or ‘Hazards & Preparedness’ for more information. The U.S. Geological Survey is a multi- disciplinary science organization dedicated to the timely, relevant, and impartial study of the landscape, our natural resources, and […]

    Read More
  • Farm Animals and Natural Disasters

    Farm animals not only can suffer injuries during a disaster but can also receive fresh injuries after the storm if not handled properly. Here are some of the things that can be done in the immediate aftermath of the storm or flood when animals must be handled, relocated or examined. Take Proper Precautions Ensure your own […]

    Read More
  • Returning Home After a Disaster: What Supplies to Bring

    If you are returning home to clean or salvage items, here’s a list of suggested supplies and items to bring with you. WHN Expert TIP – Water Damage Clean-Up Tips: Greg Kistler, a ServPro cleanup and restoration specialist from South Washington County in Minnesota, provides water damage cleanup advice in this podcast. Was the disaster fire-related? Greg also […]

    Read More
  • Property Damage: 8 Actions to Expect From Your Agent

    What Your Agent Will Do Here are some actions your insurance agent may take after you file a claim. Meet with you in the first few days after the loss (or when it is physically possible) to review additional living expense requirements. (See 17 Items to Gather and Tasks to Do After a Disaster) Provide money to pay living expenses, but […]

    Read More
  • Property Damage: 13 Questions for Your Agent

    These are some questions to ask your insurance agent to confirm what you already know or help you understand what you are covered for. Each time you call, note the following: The day and date you called The phone number and extension (If you’re transferred to someone else, ask for that person’s extension before the hand-off.) […]

    Read More
  • 6 Key Insurance Terms for Determining Value

    Knowing these terms helps to understand the process insurance agencies and relief organizations use to determine the value of your loss. Your tax accountant can also help you when claiming your losses. Valuation of Goods It is very difficult to measure your personal loss of goods. This is because many items have a sentimental value to […]

    Read More
  • No Insurance? 6 Places to Get Help

    If you have no insurance (or less insurance coverage than you thought), your recovery will be based on your own resources and help from friends, relatives and your community. Here are some resources: Department of Social Services Civic organizations State or municipal emergency services offices Nonprofit crisis counseling centers Area faith-based organizations FEMA – If a […]

    Read More
  • 4 Tips for Filing an Insurance Claim

    A few tips on how to file a claim after a natural disaster, fire or theft. Tip 1: Read Your Insurance Policy If you don’t have it, ask your insurance agent to send or bring a copy for you. Check your policy for specifics and document every action you take. WHN TIP –  Two Lists/Two Folders: Start […]

    Read More
  • 3 Steps to Estimate Your Home’s Value

    Do you have enough insurance on your home to rebuild it if it is destroyed? Do you even know how to calculate the amount of insurance you need? “You need to have enough insurance to cover the cost of rebuilding your home at current construction costs,” says Loretta Worters, Insurance Information Institute (III) vice president. “The […]

    Read More