House earthquake data: everything you need to know.

Terremotes are one of the most destructive natural disasters that can cause severe damage to residential buildings and significantly alter urban and social environments. The force of these seismic events can cause damage ranging from minor cracks in foundations and walls to complete collapse of buildings, putting the lives and safety of residents at risk. Let's take a look at what you need to know while at home during an earthquake, and above all, how to pursue earthquake damage claims in your home when possible.

Who pays for earthquake damage?

The question of who pays for earthquake damage is complex and depends on a variety of factors. In general, ownersbuildings are liable for damage to their real estate. However, in many countries there are types of seismic risk insurance that may cover some or all of the cost of damage.

For example, in Italy, the government can provide assistance and funding in the event of major disasters. There are also support programs for recovery and reconstruction after earthquakes. Funding can come from a variety of sources, including state, regional, European Union, and other forms of international assistance.

It is important to note that the extent of insurance coverage and the level of government support can vary considerably depending on the country, region and specifics of the insurance contract.In addition, public policies on disaster prevention and management significantly influence the response to such events.

It should also be taken into account that in some cases the builder concerned may be obliged to compensate for part of the damage. This occurs when the execution of the work does not meet the requirements to ensure that the building is as stable as possible even in the event of an earthquake. Indeed, if substandard materials were used or structural errors were made, the house may be less stable and therefore more susceptible to damage in an earthquake.

How much does earthquake insurance cost?

The cost of earthquake insurance in Italy varies according to differentfactors. Insurance companies offer such policies at prices ranging from a few tens to hundreds of euros per year. According to ANIA (National Association of Insurance Companies), the average rate for earthquake insurance is around 75 euros per year. However, the final price depends on the following variables: place of residence - areas with higher seismic risk often have higher premiums; building size - the floor area of a building affects the cost of insurance, usually calculated according to the square meter area; the year the building was built - older buildings are considered more at risk of collapse and may have higher premiums; building characteristics - factors such as type of construction, cadastralcost and seismic resistance can affect the cost of insurance.

For example, in low-risk seismic zones in Italy, the cost is around €2.50 per square meter, while in high-risk zones it can rise to €3.50-4 per square meter.

What magnitude do houses collapse at?

The magnitude of an earthquake is a key indicator for understanding the damage potential of structures, including residential buildings. A magnitude 4 earthquake has the potential to cause severe damage to buildings.and, in some cases, can cause the collapse of particularly fragile structures or older, poorly maintained or seismically inadequate buildings. This magnitude level is generally perceived by people as strong and can cause objects inside homes to fall.

As the magnitude increases, so does the risk of serious damage. Earthquakes with a magnitude greater than 5.5 are considered particularly dangerous and can cause extensive damage to buildings and infrastructure, even well-built ones. At even higher magnitudes, such as 7 and above, entire urban areas can be destroyed.

It should be noted that in addition to magnitude, a building's resistance to earthquakes depends on other factors. These include design and materialsconstruction, compliance with anti-seismic codes, quality of service, and proximity to the earthquake epicenter. Modern and well-designed buildings can better withstand even strong earthquakes, unlike older buildings or structures with low standards.

What should you do in the event of an earthquake if you are in a house?

In the event of an earthquake, especially when you are inside a home, it is important to stay calm and follow certain basic safety precautions. These actions can make the difference in personal protection and the protection of those around you:

• Search for shelter under a strong table or other sturdy structure that can protect against falling objects;
• Stay away from theexterior doors: Despite popular belief, doors are not the safest places to take shelter during an earthquake. It is best to avoid being near exterior entrances, as they can be weak links in the structure and sites of collapsing debris;
• Turn off gas, electricity and water: if possible, turn off gas, electricity and water supplies to prevent fires, short circuits or leaks;
• Prepare an emergency kit: it should include water, non-perishable food, a flashlight, a first aid kit, important documents and any necessary medication;
• Avoid using stairs: do not use elevators during or immediately after an earthquake, soas they may become stuck or damaged;
• Wait for the tremor to end: stay in a safe position until the earthquake is completely over. Often after the main tremor there may be aftershocks;
• Follow instructions from authorities: after an earthquake, listen to the news and follow instructions from local authorities to know when it is safe to leave shelter.

These measures can help reduce the risk of injury during an earthquake. However, it is important to remember that each situation is unique and requires personal assessment and understanding of the environment.