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insurance: earthquake
Any part of Australia could experience an earthquake. Some areas have even suffered serious damage. So to reduce your vulnerability, read and act upon this information:

Know your local risk and safety steps
 ask your State/Territory Emergency Service (SES) for a free pamphlet showing our earthquake hazard zones
 ask your neighbours, SES, council and insurance company whether earthquakes have ever occurred in your area and what damage resulted
 check that your insurance covers earthquake damage
 if building, seek expert advice on the depth and type of foundations and construction to suit your soil conditions
 check and repair cracks in walls or gaps in mortar between bricks in existing buildings
 move chairs and beds clear of hanging items (eg ceiling fans, pot plants, paintings or mirrors)
 brace free-standing bookshelves, water heaters, etc
 store breakables, heavy items and hazardous liquids (eg pesticides, cleaning fluids, paint) on bottom shelves
 secure cupboard doors with strong latches
 have an emergency kit which includes:
  • a portable radio and torch with fresh batteries
  • containers of fresh water, canned food supplies
  • a first aid kit and instruction manual
  •  plan together where your family will meet if separated
     know the safest areas during earthquakes (see below)
     list emergency phone numbers for police, SES, fire, ambulance and gas, power and water suppliers

    During the earth quake
     if indoors, stay there (clear of falling debris outside)
     keep clear of windows, chimneys and overhead fittings
     shelter under (and hold) a door frame, table, bench, etc
     in high rise buildings, stay clear of windows and outer walls. Get under a desk near a pillar or internal wall
     do not use elevators/lifts
     in crowded areas or stores, do not rush for the doors. Move clear of overhead fittings and shelves
     if outside, keep well clear of buildings, overhead structures, walls, bridges, power lines, trees etc
     in a city street, shelter from falling debris under strong archways or doorways of buildings
     don't go under awnings or parapets as they may collapse
     if in a vehicle, stop in an open area until the shaking stops. Beware of fallen power lines, damaged roads, including overpasses and bridges; and landslides. Listen to your car radio for warnings before moving

    During the earth quake - Watch for the hazarda and tend to injuries like this
     turn off electricity, gas, water. Do not light matches and check for gas or fuel leaks and damaged wiring
     check for injuries. Apply first aid. Do not move the seriously injured unless in immediate danger
     check for broken water, sewerage or electrical mains
     do not use telephone immediately (to avoid congestion) unless there is a serious injury or a fire etc
     check for cracks/damage in roof, walls, chimneys, etc
     expect aftershocks. Evacuate if the building is damaged
     listen to the local radio and heed warnings or advice on damage, service disruptions and evacuation
     do not waste food and water as supplies may be interrupted. Collect emergency water from heaters, ice cubes, toilet tanks and canned foods
     avoid driving unless for emeregency (keep streets free)
     do not go sight-seeing or enter damaged buildings
     stay calm and help others if possible

    This information is brought to you by Emergency Management Australia, a Commonweatlh Government Agency. Neither Reckon Ltd ACN 003 348 730, nor Reckon.com.au Pty Ltd ACN 079 120 568 accepts any responsibility for the completeness or accuracy of such information.