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The Julian News
Julian , California
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December 8, 2010     The Julian News
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December 8, 2010
 

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December 8, 2010 PROJECT Director of the PROJECT Earthquakes! Lightning! Do You Know What You're Insured Against? The Julian News 7 (NAPSA)-Who knew? Apparently not a large chunk of Americans when it comes to what is and isn't covered by their home insurance-and that could prove costly even as they try to get their overall finances in shape after the Great Recessian. So deep is the "knowledge gap" found in a new "Insurance Literacy" survey conducted for MetLife Auto & Home by Zogby International that more than 57 percent of respondents either weren't sure, or erroneously believed, that they'd be covered under a standard policy were real lifeoronlyon TV7 their houses, condos or rental APPLE COMPANY w more,l" apartments demolished by an ii! earthquake or volcanic eruption, b )fe$$orJu$,',inBrook$ on the flip side, if the ![ IILIN ' School of Law decimation were instead ,:I ' caused by lightning, more than ill VIBER 1! AT I:00 24 percent either mistakenly rh78, Library Julian weren't tlought sure.they weren't covered or .... " ' i 4)370 "At a time when people are ,jt,,,,de,,,ot,,pc,,,L,, working hard to save more and spend less, many Americans i E are leaving themselves open  and 0ffice File 0rganization to costly surprises by not fully []'O';; i?&IUEI Illlil, / l  Ir v"c'tLP"w'IR   understanding their policies," ) i JuliePress said Bill Moore, president of Bonded, 28 Yrs Experience MetLife Auto & Home. QuickB0oks Premier, Want to see how you stack up? Pro&0nline The following questions are [ QuickBooks Payroll based on the Insurance Literacy  survey. And since the answers ' Z i[ir o 6'I, l ]11I[ Letmetrainyoutodoityourself! are also included below, there's [ Fil[IC aL'&wa I [ [ jdaisy79@hotmail.com an added bonus: First, some .... 760 765 5856 insight on how toprotectyourself L, FBI  [' from expensive gaps in your ' q Representing Victims of Serious Accidents Home Owner Fire Insurance Claims Joseph T. Dibos Attorney At Law 619-235-0307 jdibos@diboslaw.com 2445 5th Avenue, Suite 420 San Diego, CA 92101 No Recovery. No Fee -- Community Banking . Checking Savings Home Equity Business Banking I Rabobank 2033 Main St,, Julian I 765-2765 Member FOE LUERS & DYER, CPAs, LLP CERTIFIED PUBLIC ACCOUNTANTS Income Tax and Accounting Full Service Firm i iiii ! i i i Rebecca Luers, CPA Jan Dye, CPA Mter Degree in "Paxatim Personal attention to ),our special needs 'nola Center 4367 H,,'. 78, Suite 112, P.O. Box 1934 Julian, (TA 92036 Tel: 760 765-0343 Fax: 760 76fO150 Email: rebecca@lucom ANTHONYJ, ROMAN0 Attomey-At-Law Real Estate, Estate Planning, Business and Water Law (619) 696-9916 Lori Ar00er MANAGEMENT CAD/Drafting Building Permits  Project Coordination  Bookkeeping P.O. Box 401 Julian, CA 92036 760-765-1113 1901 First Avenue, Suite 1 l0 San Diego, CA. BOOKKEEPING & TAX SERVICE on own coverage. And second-and this may shock you-the chance to save money by discovering things you never dreamed you were already insured against. 1. If your home is unoccupied for a long time, could your insurance be affected, even if you pay the bills? A. No, as long as you've got the cancelled checks. E,. Possibly-if, for example, your home suffered damages from freezing 'and you'd neglected to take reasonable precautions to keep it heated or the pipes drained. 2. Is your insurance policy based on the cost to rebuild or your home's market value? A. Rebuilding cost. B. Market value. 3. If your children are living on campus while attending college, must you pay for additional coverage for their personal property? A. Yes, as long as you still claim them as a dependent come tax time. B. No, they're covered under the standard homeowner's contract. 4. If a fire destroys your personal belongings, are you covered for the full replacement cost? A. No, depreciation is always factored in. B. Maybe, if your policy provides replacement coverage that doesn't deduct for depreciation. continued on page 11 PAIRING EVENTS ESTATE JULIAN ,, FARMEI00S" !:2. , FREE 6EAoC"Y PARKINC -- . t ;| 3 OF MAIN ....... *;-[ !: 1MIV.IOLAKMB.COM EiD ...................... ' Complete Gas Service Since 1947 Over 60 years serving the community we live in. ...... Commerc,al Res,dent,al Payment Options 24 Hour Emergency Service | [[GASCheck- r^, 765-0130 ........ 760 Ben sulser, District Manager m ...,,.,, ,., ,,,,,,, ,,,,, ,,,. ,, , r.u .... State Awards County $7.7 Million For Homeland Security Funds Will Be Used To Help Prevent And Prepare For Terrorist Attack, Large Disasters The County Office of Emergency Services has been awarded $7.7 million to coordinate local homeland security programs and prepare for other catastrophic events, such as wildfires and earthquakes. "These funds help local agencies prepare for the possibility of a terrorist attack. We hope it never happens here. But if it does, we need the region to be ready to respond swiftly," said Board of Supervisors Chairwoman Pam Slater-Price. The County Office of Emergency Services administers the funds which go to local law enforcement, cities and other agencies and programs. One of the programs is the San Diego Regional Terrorism Threat Assessment Center, a multi- agency task force that focuses intelligence and information sharing. It will receive $1 million. Another $317,000 will go to the Metropolitan Medical Strike Team, which brings together health, law enforcement, hazardous materials crews and others to train to respond to an event involving weapons of mass destruction. "The County Office of Emergency Services coordinates regional responses to all types of emergencies, including the possibility of terrorism. We need to make sure that we have a comprehensive plan and that all agencies are trained," said Run Lane, Director of the County Office of Emergency Services. The funds are provided by the federal Department of Homeland Security to the California Emergency Management Agency, and then distributed at the local level. To prepare you and your family for an emergency, visit www. ReadySanDiego.org : . #://///:, :2 ge/Y ::Y, Locking fixed-joint pliers have become known by their first brand name, Vise-Grip. ItOs said the Vise-Grip was the brainchild of Danish immigrant William Petersen, who patented an early design in 1921. Annual Holiday Food Drive by Vee Lumpkins How quickly time is fleeting. We have already made much progress in our Holiday Food Drive. We have decorated and placed our donation boxes for food items at shops in town and at schools. We have already many applications from locals to receive a package of food for their Christmas dinner. Distribution date is Tuesday December 21st at town hall downstairs at 8:00 a.m. We are completely leaning on money donations to pay for the purchased items. Please make checks to either Vee Lumpkins or Barbara Simpson P.O.Box 2228, Julian, CA 92036 or drop off at the town hall Chamber office. Our sincere thanks to all who have a part in this with us.