…by Anura Guruge
1/ Did We Just Have An Earthquake In The Lakes Region, NH at 7:12pm? — post at 7:25pm, Oct. 16, 2012 (about 13 minutes AFTER the trembler).
2/ Yes, It Was Indeed An Earthquake In The Lakes Region, NH; 4.5 Off Portland Maine — Oct. 16, 2012.
Never even occurred to me to check anything (though Teischan (6) had cutely asked me to put on the outside lights, open the front door and check outside to see if all was copacetic.
Ours is a new (2006), fairly well constructed house, albeit with large expanses of concrete foundation because it is built on the grade.
Today was Teischan’s ‘bring a loved one to lunch’ day at Alton Central School (ACS). So, of course, I attended. One of her classmates insisted, thrice, that their house fell down from the earthquake and that they were staying at a hotel! I could not get that story confirmed.
I got home around 2:15 pm. My neighbor across the road was waiting for me and had this greeting: ‘did you suffer any damage last night?’ For a second I wasn’t even sure what he was talking about!
He takes me for a tour of my foundation and finds all these fresh, hair line cracks.
Now, having lived in NH for 27 years I had always thought that small foundation cracks are a way of life in NH, like the black flies. I have owned 6 houses in NH and never had any foundation leaks. Now, my neighbor is getting me worried.
Yes, I am a great believer in liberal applications of water proofing liquids and compounds. So, I now have NO CHOICE. I will have to go patch all of those pesky cracks.
I called up my insurance agents: Wainwright Insurance in Alton (603-875-1211). They are a part of Cross from Maine. I have had coverage with them for about 15 months, but never had to make a claim. They are friendly friendly, but I really don’t know how good or bad they are.
I was surprised to hear that they had not received a single call re. the earthquake.
Then, they shocked me, by saying I did NOT have earthquake insurance.
I, quite correctly, told them that that was their fault. I am NOT joking. I am thinking that I might have a case against them. I had never even heard of earthquake insurance. It was incumbent upon them to tell me about it. So, if I don’t have coverage it has to be their fault. Right? This is America. [UPDATE: They tell me that they told me in writing that I don’t have earthquake or flood insurance. I haven’t looked hard, but I haven’t found the letter as yet. They say they have a copy. That doesn’t mean that they ever mailed it!]
So, please feel free to use this as a forum for discussing earthquake related damage and earthquake insurance. Hope it helps.