The Great Bcaa Earthquake Challenge

1. Is the following statement true or false? "There's not much I can do now to prepare my home against earthquake damage"

True

False

About a third of the cost of home damage can result from belongings moving – there’s a lot you can do now to prepare.

Explanation

About a third of the cost of home damage can result from belongings moving – there’s a lot you can do now to prepare.

2. Where you live (in southwestern B.C.), is it possible that your home could be damaged as a result of an earthquake?

Yes

No

Don't know

The whole of southwestern B.C. is considered at high earthquake risk – if you live here, it’s possible your home or belongings may be damaged.

Explanation

The whole of southwestern B.C. is considered at high earthquake risk – if you live here, it’s possible your home or belongings may be damaged.

3. According to experts, what's the likelihood that an earthquake strong enough to cause significant property damage will strike southwestern B.C. in the next 50 years?

Less than 10%

At least 10%, but less than 20%

At least 20%, but less than 30%

At least 30%

Don't know

Source: Natural Resources Canada (2010).

Explanation

Source: Natural Resources Canada (2010).

4. Is the following statement true or false? "Tenants don't need to buy earthquake insurance to cover their belongings as long as their building has earthquake insurance"

True

False

Maybe - it depends on their building's earthquake policy

Don't know

Your building’s policy covers the property structure but won’t typically cover your belongings.

Explanation

Your building’s policy covers the property structure but won’t typically cover your belongings.

5. Which of the following statements about Vancouver Island is true? Vancouver Island will…

Shield the Lower Mainland from any earthquake

Shield the Lower Mainland from the worst damage of any earthquake

Shield the Lower Mainland from any tsunami

All of the above are true

None of the above are true

The Island may partially shield the Lower Mainland from some effects, in some cases.

Explanation

The Island may partially shield the Lower Mainland from some effects, in some cases.

6. Which of the following is recommended by experts as the immediate course of action to take if an earthquake occurs?

Go outdoors and turn off the gas supply (if you have one)

Get out, get safe, find open space

Shelter in a doorway

Drop, cover and hold on

Call 911

Don’t know

Make sure you know how to do this and practice!

Explanation

Make sure you know how to do this and practice!

7. Which of the following is the best description of how a deductible on earthquake insurance for a home is determined?

As a percentage of the policy premium

As a fixed dollar amount

As a percentage of the value your home and or belongings are insured for

Don’t know

If you don’t know how much your deductible is, ask your insurer.

Explanation

If you don’t know how much your deductible is, ask your insurer.

8. What is the minimum recommended length of time experts say an earthquake preparedness kit should be able to keep you/your family alive and safe?

1 day / 24 hours

2 days / 48 hours

3 days / 72 hours

4 days / 96 hours

5 days or more / 120 hours or more

Remember this is a minimum – many experts suggest your kit lasts for a week or more.

Explanation

Remember this is a minimum – many experts suggest your kit lasts for a week or more.

9. Typically, how often do earthquakes occur in B.C.?

Daily

Weekly

Monthly

Yearly

Less often

Although most are not felt, over one thousand earthquakes are recorded in B.C. each year.

Explanation

Although most are not felt, over one thousand earthquakes are recorded in B.C. each year.

10. To what extent is damage from a tsunami following an earthquake covered by earthquake insurance?

Always

Sometimes, depending on your policy

Never

Don't know

It’s important to know what insurance does and doesn’t cover so you’re prepared if you make a claim.

Explanation

It’s important to know what insurance does and doesn’t cover so you’re prepared if you make a claim.

11. Which of the following places are at high risk of sustaining damage from an earthquake? Select all that apply

Richmond

Victoria

Abbotsford

Nanaimo

None of the above

All four of these places are considered to be at high earthquake risk.

Explanation

All four of these places are considered to be at high earthquake risk.

Submit

12. If an owner of a condo or strata unit lives in a building that is covered by earthquake insurance, are they required to pay part of the insurance deductible in the event of a claim?

Yes

No

Maybe (it depends on the strata by-laws)

Don't know

You can buy additional insurance to protect against this cost.

Explanation

You can buy additional insurance to protect against this cost.

13. Which of the following statements is correct?

Earthquake insurance always has a separate deductible

Earthquake insurance never has a separate deductible

Earthquake insurance sometimes has a separate deductible – it depends on your policy

Don’t know

A separate deductible means insurers can charge less for cover because you share some of the risk.

Explanation

A separate deductible means insurers can charge less for cover because you share some of the risk.

14. Which, if any, of the actions below are recommended to prepare your home to face an earthquake? Select all that apply.

Remove pictures, mirrors, lights and heavy objects from above beds

Keep valuable items on the ground floor

Unplug all electronic equipment at night

Fasten tall furniture to the wall studs

All of the above

None of the above

There is much more you can do to prepare. Click the ‘prepare’ tab to learn more.

Explanation

There is much more you can do to prepare. Click the ‘prepare’ tab to learn more.

Submit

15. Please complete the following sentence: Base home insurance policies typically include…

Coverage for a wide range of earthquake related damage

Coverage only for fire or explosion as a direct result of an earthquake

No coverage for any earthquake related damage

Coverage only for tsunami (wave) damage

Don’t know

Earthquake coverage is typically an add-on to your base policy and broadly covers damage caused by the ground shaking.

Explanation

Earthquake coverage is typically an add-on to your base policy and broadly covers damage caused by the ground shaking.