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Originally Posted by Hugh R
To Sammy's defense in CA at least we don't have an earthquake season.
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Nope, just mudslide season and fire season.
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If you don't have earthquake insurance you're SOL. Question? Does regular homeowner insurance cover tornado damage?
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Yes, as other's have said. FEMA is trying to prevent loss of life, not home damage/loss, when they finanically support shelters or other protective measures.