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Vancouver Off-Topic / Current Events The off-topic forum for Vancouver, funnies, non-auto centered discussions, WORK SAFE. While the rules are more relaxed here, there are still rules. Please refer to sticky thread in this forum.

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Old 12-30-2015, 10:03 PM   #201
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Quote:
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Also, we've read through some pretty fine print regarding earthquake insurance, and some very 'good' providers make it very clear that if your house is not ruined by the earthquake but from a resulting fire, water main break, etc. you will not be covered.
This. I was bored one day so I actually read through the fine print of my home insurance. There's actually a ton of loopholes for insurance companies to get out of paying you. Of course, maybe that's just with my insurance provider (BCAA), but I imagine it's relatively similar across the board.
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Old 12-30-2015, 11:20 PM   #202
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Act of god.............. I crack up every time I see/hear it.


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Old 12-30-2015, 11:50 PM   #203
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Sure lotta stupid ppl out there
Calling 911 to ask if what they felt was earthquake or ask if there will be more earthquake coming soon
Same thing happens to 0/411. Anytime there's any big event, 911/411/0 gets flooded with calls. At least they're not endangering anyone by calling 0/411 too badly, just tying up the circuits.

Also, if you think your cell phone will be ok though it all, expect outages 12-36 hours after the initial event. The cell sites do have battery and/or generators but they won't last forever.
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Old 12-31-2015, 03:58 AM   #204
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Its stupid to put ones life at risk living in a place where you can be crushed to death... including the average wooden house that can collapse... but that is the life of a rat racer.

We can only hope to live long enough so that our future children dont have the same predicament.

p.s. government earthquake rescue\relief and security will be none existent where many will die of thirst trapped under rubble.
Lastly insurance companies are a monopoly (see Katrina disaster)... as if they would prop up a gazillion dollars after all the damage from a big one. Shit the same guys are fracking up and down B.C. which can in-fact trigger earthquakes... we could be accelerating to a big release of the plates.


Chile’s new methods for earthquake resistant structures (video)
PressTV-Chile?s new methods for earthquake resistant structures
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Old 12-31-2015, 06:12 AM   #205
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Its stupid to put ones life at risk living in a place where you can be crushed to death... including the average wooden house that can collapse... but that is the life of a rat racer.
you think your downtown 10+ story apartment will save you vs. a wooden structure (assuming you live at said location)? You're more likely to be able to get our of your wooden structure / survive in a strong point vs. if a concrete building goes down / partially crumbles (and we've all seen how slap-dash Van condos are built)

what does the apartment in downtown make you, i'd say that's rat race life more than a wooden house (more conducive to family life)
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Old 12-31-2015, 06:24 AM   #206
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I didnt say anything exempting myself from being a rat racer... nor that my apartment has a better survival rate then a house.
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Old 12-31-2015, 06:31 AM   #207
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I didnt say anything exempting myself from being a rat racer... nor that my apartment has a better survival rate then a house.
this is so sad, you've given up your crazy anti-rat race stance and have bowed down to 'the man'

weak, CiC, weak. at least stand up for what you believe in!
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Old 12-31-2015, 06:38 AM   #208
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Why is it crazy to be anti-rat race? And who said I bowed down to the man... Im stating and living a reality of being trapped in the rat race that I was born in... although to a smaller degree then most I'd say.
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Old 12-31-2015, 09:55 AM   #209
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Dang. Time to buy earthquake insurance
Good luck with that. My wife works in insurance, the very first email she got the next morning from the higher-ups basically said NOBODY WRITE ANY EARTHQUAKE COVERAGE.

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Reports stated this was the strongest quake since the one that happened in 2001 near Seattle & Tacoma. I think that one was a 6+ on the scale.
https://en.wikipedia.org/wiki/2012_H...aii_earthquake

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Its stupid to put ones life at risk living in a place where you can be crushed to death... including the average wooden house that can collapse... but that is the life of a rat racer.
CiC lives in a cardboard box in the middle of a field in Aldergrove.
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Old 12-31-2015, 08:57 PM   #210
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Sure, if you cheap out and buy from some no name local company. I have home and earthquake coverage through RBC, which provides insurance nation wide, you think they're gonna fold if Vancouver gets hit with an earthquake?
You know that "no name local company" is just an insurance underwriter like RBC right? Underwriters are just middlemen (salesmen). When shit hits the fan and you need a payout, the actual insurance company that pays you out is the same company that has the SAME COVERAGE (offered at RBC insurance and that "no name local guy"), but likely for a higher premium at RBC cause it has a name. Lol
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Old 12-31-2015, 09:49 PM   #211
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A good strategy I hadn't really heard of for families who live all over the Lower mainland is to have a common person out of province you call to confirm you're safe etc.

This way at the very least if you are able to call out, you won't have to try and deal with busy signals on both ends
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Old 01-01-2016, 12:22 AM   #212
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I finally convinced myself to create an emergency preparedness kit... at the local dollar store (excludes my family first aid kit)

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Old 01-01-2016, 12:30 AM   #213
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Forget the lighters. Replace them with waterproof matches or a proper flint.
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Old 01-01-2016, 07:52 AM   #214
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I actually agree with CIC for once.......oh wow thought I'd never say anything so gross. Look up Katrina and insurance claims, so many insurance companies weaseled out of paying in full with bullshit fine print. Oh yes sir we cover the wind damage but not flooding, the hurricane winds ripped your roof off we'll pay to fix that but all the water damage in your house after the roof came off that's due to flooding which we don't cover.

Insurance companies will pay some stuff but guaranteed people will still get screwed left right and center where ever possible.
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Old 01-01-2016, 09:10 AM   #215
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I remember insurance companies here raised their rates due to Katrina payouts

As for Insurance companies weaseling out of paying, that's an obvious outcome, it's what they always do. With regard to Katrina, just look at State Farm, they were found guilty of fraud from their attempts to not payout claims
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Old 01-01-2016, 10:36 AM   #216
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I actually agree with CIC for once.......oh wow thought I'd never say anything so gross. Look up Katrina and insurance claims, so many insurance companies weaseled out of paying in full with bullshit fine print. Oh yes sir we cover the wind damage but not flooding, the hurricane winds ripped your roof off we'll pay to fix that but all the water damage in your house after the roof came off that's due to flooding which we don't cover.

Insurance companies will pay some stuff but guaranteed people will still get screwed left right and center where ever possible.
It's not just with natural disasters. It happens very frequently with major surgeries that needs to be done in the US that's supposedly covered by your private health insurance, then they deny it cause it's too costly. Pretty sickening stuff.
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Old 01-01-2016, 12:16 PM   #217
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I finally convinced myself to create an emergency preparedness kit... at the local dollar store (excludes my family first aid kit)
Spoiler!
I would recommend you return the disposable respirators you bought and buy a box of them that have an N95 rating and are made by either Honeywell, 3M, or Moldex. They're not much more expensive and you don't want to have to learn the ones you bought are entirely ineffective in an emergency. You can buy a box of one of the brands I recommended for $15-20 on Amazon.
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Old 01-01-2016, 01:13 PM   #218
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his are cdc approved N95's, made by DaSheng though
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Old 01-01-2016, 01:57 PM   #219
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Yea thanks for the tips, Im planning to make some adjustments with my kit tomorrow. I ordered a few extra items on amazon last night such as emergency blankets, hand warmers and a portable radio.
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Old 01-01-2016, 02:16 PM   #220
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curious to know what was the total cost of this kit?
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Old 01-01-2016, 02:16 PM   #221
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Here's what's in my emergency bag:

First Aid Kit
Flares
Reflective vest
Waterproof matches (debating picking up a flint, however)
Candles
Cedar flakes for a quick fire starter
Waterproof poncho
Spare change of clothes
Extra warm duvet and wool blanket
RF Radios w/charger (and power inverter)
CB radio that can be easily hooked up to the car
Knife (currently a retractable piece, though I want to pick up a proper one at some point)
Gorilla & electrical tape
N95 mask w/replacement filters
Gloves (both latex and cloth)
LED flashlight and spare batteries
Water and food (couple of MRE packs, granola bars, cans of whatnots)
Water purification kit
Retractable snow shovel
Random odds and ends (ie: wiring and connectors, twine, small tarp, etc)
Also tend to carry a set of roadside tools in my trunk as well. Previous experiences have taught me that it's a good idea...

As I mentioned earlier, it's designed more for highway winter survival than a full blown emergency, but it's better than nothing.
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Old 01-01-2016, 02:28 PM   #222
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I finally convinced myself to create an emergency preparedness kit... at the local dollar store (excludes my family first aid kit)

You are planning to open those awful plastic wrapping first right?

My now simplified emergency kit:
4x500ml bottle water+12 granola/chocolate bar
Water purifier
Emergency Blanket
Certified copies of IDs for the family
Leatherman Wave
Permanent match
~$300 of cash
Mini first aid kit with alcohol, and some pads/tapes
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Old 01-01-2016, 02:28 PM   #223
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his are cdc approved N95's, made by DaSheng though
I've tried them myself. CDC approved or not, they're not as effective as the brands I recommended for brief use, and they're totally ineffective for extended use. It's worth it to buy one of the brands I recommended.
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Old 01-01-2016, 02:36 PM   #224
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I've tried them myself. CDC approved or not, they're not as effective as the brands I recommended for brief use, and they're totally ineffective for extended use. It's worth it to buy one of the brands I recommended.
the 3m ones get my vote. used them for years at work.
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Old 01-01-2016, 03:21 PM   #225
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This is my small kit that I always keep in the car. Some of the stuff isn't shown as its in the side pouches of the bag and I forgot take them out for the pic lol. Its more of a light camping kit but i'll probably have better odds surviving with this stuff than those prepared "survival" kits.

* Small medical kit with bandages of various size, medical tape and alcohol prep pads
* Flashlight with batteries
* Fire striker & fire starter sticks
* Emergency blanket
* Large garbage bags that can function as a sleeping bag or poncho
* Hatchet & knife
* Canteen Cup Stove with a mini alcohol stove but also can be heated with a fire under it. Can boil water & cook with it.
* Oatmeal & Chicken noodle packs
* Nitrile gloves
* Micra leatherman multi-tool
* Change of clothes
* Re-usable hand warmer. Reactivates by boiling it in water.
* One man tent
* Camping spoon fork
* Foldable hand saw
* Roasting attachment for hot dogs, etc that attaches to a stick.


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