TWENTY YEARS AFTER,EARTHQUAKE INSURANCE,IN CALIFORNIA,CURRENTS,JANUARY 23,EDITORS NOTE,MONTH,MARKS,THE 20TH ANNIVERSARY OF,NORTHRIDGE,MAJOR,TURNING POINT,THE HISTORY OF,CALIFORNIAS,INDUSTRY,ARTICLE,EVOLVED,ROLE,CATASTROPHE,SHAPING,FUTURE,CALIFORNIA,EXPERIENCED,EARTHQUAKES,PRIOR,JANUARY 17,MAGNITUDE,NORTHRIDGE EARTHQUAKE,NONE,TOTALED,AMOUNT,COLLECTED,PREVIOUS,UNPRECEDENTED,NATURAL,HURRICANE ANDREW,AFFIRMED,VALUE,CATASTROPHE MODELING,LOSS,EXPERIENCE,HURRICANE,EARTHQUAKE,CONTRAST,WINDSTORM,COVERAGE,UNIVERSAL IN,THE U S,RATES,IRONICALLY,PROTECTION,INSURANCE,MOTION,CONTRACTION,THE MARKET,LEAVES,MILLIONS,HOMEOWNERS,YEARS AGO,NORTHRIDGE CALIFORNIA,COMPANIES,SELLING,HOMEOWNER,POLICIES,THE STATE,JANUARY 1,THE EARLY,LOMA PRIETA QUAKE,THE SAN,FRANCISCO,BAY AREA,OCTOBER 17,COVER,COSTS,USD 2,FOR EVERY,USD 1,DEDUCTIBLE,THUS,USD 20,CONSUMER,EXPECT,FEWER,THIS TIME,PERIOD 4,BILL,OFFICER,WRITER,EDITED,THE EARTHQUAKE,INSURANCE INDUSTRY,HIGHLIGHTS,THE NEXT,BIG ONE,UNINSURED,RESILIENCY,LENDING,LOCAL,STATE GOVERNMENTS,THE FEDERAL,BUDGET,DIRE,CONSEQUENCES,FOREGONE CONCLUSION,ROOM,INNOVATION,LOMA PRIETA EARTHQUAKE,CLAIMS,CALIFORNIA LEGISLATURE,RESIDENTIAL,EARTHQUAKE RECOVERY,THE BILL,FELL,INCREASING,FUND,SURCHARGE,POLICY,PURCHASE,RENEWAL,DEEPLY,PROVISIONS,PAYMENT,IN PLACE,CLEAR,ABLE,COLLECT,ANTICIPATED,ANNUAL,FEES,HIGH,REINSURANCE,FUNDS,SOLVENCY,THE BRIEF,HALF,DAMAGE,MONEY,AFTER THE CAPE,MENDOCINO,NEARLY,WHOSE,HOMES,SUFFERED,BIG BEAR,QUAKES,JUNE 28,AVERAGING,LOMA PRIETA,CITIES,IN SAN FRANCISCO,LOS ANGELES,ONE IN FOUR,PEOPLE,INSURERS,RISK,CHANGED,EVERYTHING,AT 4,PREVIOUSLY,UNKNOWN,BLIND,REVERSE THRUST,FAULT,NINE MILES,BENEATH,THE SAN FERNANDO VALLEY,OF 6,MILES,NORTHWEST,DOWNTOWN LOS ANGELES,LARGEST,GROUND,EVER,URBAN ENVIRONMENT,STRUCTURES,COUNTIES,ANAHEIM STADIUM,BILLION,THE EFFECT,HOMEOWNERS INSURANCE,HAD TO,RESIDENTIAL PROPERTY,FAIR,PLAN,ADDRESS,THE VOID,PRIVATE,MARKET,ONCE,ACCESS,REQUIREMENTS,SYNDICATED,FIRE INSURANCE,POOL,REMIT,MINIMAL,ATTRACTIVE,FIND,LESS THAN,PROPERTY,OWNERS,10 BILLION,LOS ANGELES COUNTY,FEARS,THE PLAN,FAST,MAJOR EARTHQUAKE,FORCE,ASSESSMENT,INSURANCE COMMISSIONER,WRITING,JUNE 1,CALIFORNIA EARTHQUAKE,AUTHORITY,REDUCED,EXTENT,MINI,AVERY,HIGHER,DETAILS,TALK ABOUT,PUBLICLY,OPTION,SIMILAR,WAITED,IN SEPTEMBER,LEGISLATION,CREATE,NOT FOR PROFIT,PERMANENT,SOLUTION,LITTLE,THIRDS,BORNE,WRITE,BEHALF,PREDETERMINED,ACCORDANCE,MINIMUM STATE,ADDITION,GROSS,TOTAL,AVERAGE,PREMIUM,THE CALIFORNIA DEPARTMENT OF,REPORTS,ABILITY,USD 10,UPDATE,UP TO,STRUCTURE,USD 5,LIVING,HABITABLE,OFFERING,ALTERNATIVE,STANDARD,THE FIRST TIME,THE STRUCTURE,ALTERNATIVES,LESS,BEAR,OR 15,RATE,PERCENTAGE,OBSTACLE,VALUE PROPOSITION,RISK PERCEPTION,LONGER,THE MORE,COMPLACENT,FLOOD,ORDER,MORTGAGES,PROPERTIES,PRONE,AREAS,LENDERS,DO NOT,BUY,THE ONES,AT RISK,LEADING,ADVERSE SELECTION,FIGURE 1,COUNTY,IN DENIAL,THE POSSIBILITY,SO HIGH,MATH,BETTER OFF,TAKING,CHANCES,EMERGENCY MANAGEMENT,AGENCY,FEMA,STEP IN,POST,DISASTER,ASSISTANCE,SIMPLY,WALK AWAY,SUSTAIN,ENOUGH,SHIFTING,THE FINANCIAL,NEW WAY FORWARD,NOTWITHSTANDING,POLITICAL,REALITIES,REGULATED,EXISTING,CONSUMER DEMAND,SYSTEMIC,FAILURE,MUCH BETTER,HANDLE,CURRENT,STAKE,IN THE GAME,PROTECT,BUSINESS,FINANCIAL,FIGURE,SHOWS,CONDITIONS,AGGREGATE,COMPARISON,MINUS,LIMITS,LINE OF BUSINESS,BASIS,WORLDWIDE,THE 1,SHOULD,WIDE,GIVE,PAUSE,GREATER,ONES,POSSIBLE,STATUS QUO,FEDERAL BUDGET,THE CASE,HISTORICAL,CATASTROPHES,REGULATIONS,LAWS,WILL LIKELY,ENACTED,ONCE AGAIN,TRANSFORM,LANDSCAPE,THE ROLE,THE LAST,DECADES,IMPROVING,EASY,TASK,IMPOSSIBLE,CERTAINLY,CANNOT,SOLVE,PROBLEM,MODELING,INSIGHT,MIGHT,WORK,IMPROVE,MITIGATION,RISK TRANSFER,SHORT,LONG TERM,MIND,CONVERGENCE,CAPITAL MARKETS,MEANS,INNOVATIVE,TRANSFER,THE UNDERSTANDING,SEISMICITY,ENGINEERING,TECHNOLOGY,SENSE,HIGH RESOLUTION,HAZARD,INFORMATION,SOIL TYPE,LIQUEFACTION,POTENTIAL,REALIZATION,IMPORTANCE,EXPOSURE,DATA QUALITY,ACCURACY,LEVEL OF DETAIL,DATA,ACCURATE,GRANULAR,DIFFERENTIATION,SEISMIC HAZARD,BUILDING,PERFORM,ADVANCED,SENSITIVITY,ALTERNATE,UNDERWRITING,GUIDELINES,IMPACT,FEATURES,DEVELOP,PORTFOLIO OPTIMIZATION,PURCHASING,DECISIONS,PUBLIC,RETHINK,ROOM FOR IMPROVEMENT,COMMITTED,DISCUSSION,CLAIM,REICH,KENNETH,LOS ANGELES TIMES,SEPTEMBER 28,COMERIO,C,HITS,URBAN,HOUSING,RECOVERY,BERKELEY,LOS ANGELES UNIVERSITY,PRESS,IBID,THE LONG ROAD BACK,JANUARY 30,CALIF,REGULATOR,PUTS,CASUALTY,JUNE 10,INSURANCE INFORMATION,ISSUE,UPDATES,HTML,PRIVACY POLICY,CONDITION,TRADEMARKS,ALL RIGHTS RESERVED,VERISK,VERISK ANALYTICS,CONTACT,