UT 3.0 hours Floods and other Natural Hazards - Course Syllabus
3.0 Core Hours
This course provides instruction on the causes, effects, and possibilities of insurance protection from earthquake losses.
Earthquakes can happen at any time of the year and occur without warning. They cannot be accurately predicted. An earthquake is the sudden, rapid shaking of the earth, caused by the breaking and shifting of subterranean rock as it releases strain that has accumulated over a long time. Initial mild shaking may strengthen and become extremely violent within seconds. Earthquakes happen along cracks in the earth's surface, called fault lines.
All 50 states are at some risk for earthquakes. The typical homeowner insurance policy does not cover damage from earthquakes. A homeowner who desires this coverage normally needs to purchase a "named perils" policy - an earthquake insurance policy. Earthquake insurance may cover damage from landslides, settlements, mudflows, rising, sinking and contracting of the earth. It may not cover floods, tidal waves or tsunamis - even when caused by an earthquake.
Studies have shown that many states with previously very low possibility of an earthquake are now experiencing earthquakes caused by human activities. These include Alabama, Arkansas, Colorado, Illinois, Kansas, Missouri, Ohio, Oklahoma, New Mexico, South Carolina, Tennessee and Texas.