Disaster Preparedness Disaster Preparedness and Your Insurance If you experience a insurance related claims-handling issue after a disaster, you are welcome to contact Consumer Services at the Alaska Division of Insurance 907-269-7900 with your concerns. Consumers can file complaint regarding their encountered issue on this website. For more information about filing a complaint, select this link. Disaster Preparedness Home Owners Insurance and Inflation Post-Disaster Claims Guide Protect Your Home from Damaging Winter Weather Alaska Ready Together - My Emergency Plan (Alaska DHSEM) Flood after the Fire Fact Sheet Flood after Fire: The Increased Risk (FEMA) Disaster Response: What business owners need to know Disaster Preparedness Checklist for Pets NAIC Home Insurance: What you need to know including home inventory options for your smart phone Take a Home Inventory Before a Disaster Occurs DisasterSafety.org Prepare your home for disasters! Earthquake Resources Earthquake Insurance Earthquake Safety Checklist (FEMA) Consumer Guide to Earthquake Insurance (NAIC) Understanding Earthquake Deductibles (NAIC) Do You Know What to Do Before and After an Earthquake? (NAIC) B18-17: Dominant Cause of Loss — Coverages available to consumers without earthquake insurance, for their losses related to the November 30, 2018, 7.0 earthquake impacting Southcentral Alaska. B18-16 (supersedes B18-15): Fair treatment of consumers following the Anchorage earthquake on November 30, 2018 Press Release: Alaska Division of Insurance Provides Earthquake Guidance NAIC Consumers Guide to Earthquake Insurance Landslide Resources Is home and business insurance coverage for landslides the same as for mudflow or earthquake? No. A landslide is considered an “earth movement” event so, like an earthquake, it is excluded from standard homeowners and business insurance policies. However, you can buy what’s commonly known as a “Difference in Conditions” policy (which typically offers all-in-one coverage for landslides, mudflows, earthquakes, and floods). Difference in Conditions policies are sold by surplus lines insurers; your insurance professional can help you find a surplus lines insurer that will meet your needs. Will an earthquake insurance policy cover my home or business for landslides as well? No. Like landslides, earthquakes do involve earth movement, however in general a separate earthquake policy is needed for quake-caused property damage as the causes of the movement are different. Landslides are caused by erosion or water accumulation that destabilizes the land, while earthquakes are caused by seismic activity. Earthquake insurance is available from private insurance carriers for renters, homeowners and business owners. Does my auto insurance policy provide coverage for mudflow and landslides? Check with your insurer to determine if you purchased optional comprehensive coverage with your auto insurance policy. Landslide Resources: Alaska Division of Homeland Security and Emergency Management: Landslide Information FEMA: be prepared for a landslide fire/wildfire resources wildfire insurance ready.gov/wildfires hazard mitigation grant program post fire assistance grant (fema) wildfire resources from the naic alaska wildland fire information prepare your property for wildfires flood and mudslide resources flood insurance flood insurance resources from the naic facts about the national flood insurance program (nfip) flood insurance (fema) what the flood! floodsmart.gov mudflow defined (fema) understanding mudflow and the nfip flood mitigation assistance (fma) grant fact sheet: flood loss avoidance flood claim and recovery resources from fema how to document flood damage and start clean-up how to document damage (video) federal disaster assistance: meeting the flood insurance requirement how to start filing your claim how to file a flood insurance claim starting your recovery: fema's flood insurance claims process Wind Versus Water Damage Who's Knocking at Your Door? Windstorm Resources What do do after a storm? Read the fine print and be aware of assignments of benefits (NAIC) Building Science Resource Library High Wind Publications (FEMA)