| Show mt fait gnkt Lifestyle tihunt Monday Morning — October 15 1990 Section A Page 8 Insurance won't stop disaster but will ease damage By Nancy Hobbs Tribune Lifestyle Writer area in the near Were a major earthquake to rock the future only a small percentage of homeowners would have earthquake or catastrophe insurance to cover damages caused by the natural disaster Requests for insurance estimates or coverage increases after world disasters with the Loma Prieta earthquake that shook the San Francisco area a year ago — Oct 17 — provoking a deluge of inquiries "Since then I offer earthquake insurance as an option" said John insurance agent for State Farm Insurance Co In California brokers of homeowner's insurance are legally bound to offer earthquake coverage Though not at that point in Utah he added scientific speculation that the Wasatch Fault is due for major movement in the next 50 years has convinced Mr Erlacher that "it's simply a matter of time" A theory of New Mexico climatologist Iben Browning sets a more specific date for movement along the Wasatch Front: Dec 2 or 3 He has suggested that climatic forces on those days when the sun Earth and moon are in alignment will result in powerful tidal forces that he has associated with the occurence of earthquakes and volcanoes Dr Browning (he has a doctorate in zoology) predicts December's tidal forces will be the most powerful in 60 years especially between the north latitudes of 30 and 60 degrees The Salt Lake valley is situated at 40 degrees north and the volatile Wasatch Fault extending from Brigham City to Nephi lies within a couple of degrees north and south Geologists have suggested that a major earthquake along the Wasatch Fault as strong as 75 magnitude on the Richter scale is overdue based on averages calculated from interpretations of the area's geologic history over the past 6000 years Also fitting within the geographic bounds suggested by Dr Browning is the New Madrid Fault in the Midwest between 35 and 40 degrees north latitude The fault runs from near Memphis Tenn through Arkansas and north to St Louis Mo on into Illinois and Indiana Four of the most violent earthquakes in US history were recorded along that fault in late 1811 and early 1812 according to Don Kelly public affairs officer for the US Geological Survey (USGS) in Roanoke Va Geologists have forecast another major quake along that fault before the year 2000 Dr Walter Arabasz director of the University of Utah's Seismograph Stations said that without the benefit of a formal evaluation of Dr Browning's hypothesis he tends not to give it much credence "It is my judgment that the amount of added stress resulting from the planetary alignment and increased tidal forces will not affect the incidence of earthquakes any more than the usual random occurence Should an earthquake occur on that date Dec 3 it is important to remember that coincidence doesn't demonstrate cause and effect" said Dr Arabasz adding that the event and its relation to the gravitational forces in play would still have to be carefully and scientifically studied A National Earthquake Prediction Evaluation Council set up by the USGS is currently evaluating Dr Browning's earthquake forecast A statement by the agency is expected before Nov 1 No matter what the formal analysis news of Dr Browning's theory has prompted calls to insurers about coverage to protect homes in case of a major quake Intel-mountai- Er-lach- By ' Judy Magid Tribune Lifestyle Writer Not too long ago my father brought over a videotape made from old 8mm movie film he took more years ago than I like to remember My kids who were all home at the time rubbed their hands gleefully They're a great audience "Oh boy Silent movies" someone said as the film began to roll Wrong There was a guitar strum Country-wester- n music filled the room Shur'nuff thar went their uh their mother mother at 13 galloping off into the sunset on a medium-siz- e pony ! 1 Their grandfather trotted by on an old gray mare their uncle Mike age 3 refused to budge from the back of another pony's back and their mother galloped raven-haire- d Mrs Jorgensen Osborn-Jorgense- earthquake coverage and should be called for specifics As an example however Mr Erlacher explained the protection offered by State Farm Insurance with an earthquake endorsement Premiums vary widely according to how the structure is made Frame houses which generally sustain much less damage during an earthquake than do brick or masonry homes are insured by State Farm at $160 per $1000 value with a deductible equal to 5 percent of the home's insured value Deductibles for unattached structures like garages and for personal property are 5 percent and 5 percent respectively n — Judith Leslie Osborn and Paul Clayton Jorgensen were married Saturday in St John's Episcopal Church A reception was given at Decatur Hotel AdHouse The ams Room was setting for the rehearsal dinner The bride a daughter of Marcia Lontz Osborn Scarsdale NY and Donald R Osborn New York is an attorney with the US Department of State Mr and Mrs Howard A Jorgensen Salt Lake City are parents of the bridegroom who is an attorney of for the Washington the Baltimore law firm of Venable Baetjer & Howard The couple will continue to reside in Washington WASHINGTON through the screen again The comments were as expected "See? Grandpa had black hair until he used that shampoo for gray hair He told me so" one said "Uncle Mike sure was cute" "You think that was Mom's wonder horse 'Blaze? " "The one that fell with her?" "At least it wasn't far to fall" giggle giggle snort "Man Look at those elbows flap" "C'mon It took Gabby Hayes years to learn to ride like that" Ah yes It's not bad enough that they don't believe how deep the snows were when I was small how cold the winters how big the Hay-Ada- DC-offi- are covered in the fire policy of your homeowner's insurance" Mr Erlacher explained Trustco Inc developed a unique program about 15 years ago to provide natural disaster coverage to its clients The Homeowners Catastrophe Insurance Trust with Lloyds' of London as underwriters is offered only for d single- - or double-famil- y dwellings complementing homeowner's insurance coverage explained Leo H Barlow Trustco's chairman of the board The program's underwriters contract to cover all risks of loss or damage not covered by a standard homeowner's insurance policy or other perils specifically excluded from the agreement "It doesn't exclude flood earthquake subsidence or earth movement which means all those things are covered" Mr Barlow said Because it's not specifically geared to insure against earthquake damage there are no premium differentiations for various types of homes Coverage for dwellings valued between $35000 and $500000 is available which includes 10 percent coverage for detached structures 20 per: cent coverage for contents and an additional 10 percent coverage (up to $15000) for extra living expenses and prohibited use The catastrophe coverage costs 25 cents per $100 coverage ($250 per $1000) plus taxes and fees that must be charged since Lloyds' operates primarily outside the state and so doesn't pay regular taxes to Utah Using the $100000 home as an example coverage costs $28630 annually ' according to Mr Barlow Deductibles with respect to earthquake damage for the dwelling and detached structures is 25 percent of the insured amount or a minimum of $1250 An additional $500 deductible is required for contents (For damage caused by flood or other perils the deductible on dwelling and detached structures is $500) As a member of the Independent Insurance Agents of America Trustco" offers its catastrophe insurance program through members of the Independent Insurance Agents of Utah and in several other states through their ' independent agent associations homes to not catastrophes insure choose homeowners their against Many perhaps considering the investment an admission of fear a gesture of futility given the amount of destruction forecast or as a means of Mother Nature Dr Arabasz rejects the cynical reaction If procuring insurance is a step toward earthquake preparedness it makes perfect sense to him With the knowledge that moderate to large earthquakes are a probability along the Wasatch Fault "We need to assume a constant alert" he said "Any steps taken toward preparedness are good things to do If buying insurance makes a person feel more comfortable it's a good idea" So long as the purchase is not the result of unrealistic panic he added Jim Tingey earthquake preparedness manager for Utah's Division of Comprehensive Emergency Management suggested only a negligible number of people insure their homes because they expect the government to provide extensive disaster relief if damage is severe "That's not true" he warned Monetary relief goes primarily to repair loans are generally limdamage to public buildings Individual ited to an amount that wouldn't go very far if personal property damage was extensive owner-occupie- ? y second-guessin- For example a home valued at $100000 could be insured for $160 annually with a deductible of $5000 An additional deductible of $5000 would be required for coverage on dwelling extensions $5000 for personal property Reflecting the increased susceptibility to damage of a brick home the premiums escalate to $775 per $1000 of insured value or $775 annually for coverage on a $100000 home Deductibles remain the same Newer "brick" homes generally those built within the past 35 years are finished with a brick veneer over a frame foundation Those dwellings can often be insured as frame homes with the brick excluded from coverage Mr Erlacher said Generally earthquake insurance covers damage not insured by a homeowner's policy "If you have an earthquake that results in a fire or explosion those perils Ty J ""'y Judy Vyv Magid some people have never ridden a horse and never want to But then they probably don't get up at 6 am to feed horses either I decided it was now or never I asked my son to help me mount up Then I took off in our favorite neighbor's pasture Here let me say I've been acquainted with the horse since she was less than an hour old I called her the "Brat" as in "Watch out for Sandy's brat") She hasn't changed We walked OK We trotted OK When I picked up a lope I got off balance and flopped all over her She stopped We did that same routine — lope flop stop — five or six times And then she got mad She bucked I yelled "Whoa" She stopped She's a brat but she doesn't like to was in trouble One get in trouble foot was out of a stirrup my stomach rested on the saddle horn and my nose was on her neck "Her heels came up high and you didn't fall off" my son marveled I think he was trying to make me feel good I sulked the rest of the afternoon Later that night I complained long distance to the little mare's person "Mramm she's a brat but she'd never hurt you" my youngest daughter said Mmmm indeed The next day when I got home from work and went out to the barn she was gone On her stall was a note "Brat s in 'charm school' with our old friends Dale and Terry You start dogshorses They get to see the truth recorded forever In color Music courtesy of the video Moving g st then the Brat bucked Lope flop stop Wedding Sr Many companies providing homeowner insurance also offer additional people What my kids have never understood is that their early years — including the dog and pony acts — were based in part not on the reality of my childhood but on the way I remember it In truth I never rode well I was always a little timid — Blaze did fall scar with me and I have a teeny-tinto prove it — and I flapped my elbows By the time I had children I'd learned a few things I took them for lessons They had wonderful people who trained them not only how to ride but also how to care for their animals For every hour my kids spent galloping around the field they must have spent two hours brushing combing and shoveling But seeing the video did more than make me nostalgic I realized I hadn't been on a horse for six years I know Lots of people haven't ridden for that length of time In fact y elbows close to my body Besides the Brat would never hurt me She'd get in trouble tomorow Happy birthday" How about that? I'm still not brave Maybe I can learn to keep my SMART MONEY Salary expectations for new college grads Most new college graduates expect to make somewhere between in their first job upon graduating $20000 and $30000 per year Starting salary expectations of new college graduates: ei e ruv n eon nnn ftfVVVV IV $35000 SOURCE: Right Associates career management counselors News ServiceKen Copley Marshall McCulIoch TITAN35rirai57 21 vertical cubic-inc- h cylinder engine 14" sprocket tip bar "We Sharper? Service All & Chainsaws 27S-044- 7 Cottonwood 435 M COLOMBIAN SUPREMO IRISH CREAM NATURAL JO DUTCH DECAFFEINATED JAVA MOCHA K! ETHIOPIAN O "? 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