Lodges are routinely informed that the Self-Insured Property Plus Program does not provide flood/earthquake insurance. When Lodges receive their annual renewal packets, information is included about the potential need in this area of risk; however, each Lodge should review its own potential for loss and make inquiries.

To some extent, flood and earthquake coverage can be obtained at an additional cost, but each Lodge should be aware of the potential risk applicable to its location.

Flood insurance is available under governmental programs that the servicing agent can explain to you. Each Lodge should know if it is in a flood plain. Recently, some Lodges suffered flood losses that were not insured because the Lodges were not aware that they were in a 100-year flood plain.

Earthquake coverage is sometimes available, but it has a relatively high cost if the Lodge is in one of the more hazardous zones (most Lodges do not have this coverage). Earth subsidence may not be covered under any policy forms.

Each Lodge should be aware of both types of coverage available and specific risk potentials for Lodges in these hazardous areas