Community Insider Fall 2018 - Page 42

COVER STORY MOTUS: to bridging the gap between the comprehensive – but rarely purchased – coverage of a master earthquake policy and the inadequate alternatives available to individual owners whose associations do not have a master earthquake policy. A NEW EARTHQUAKE INSURANCE SOLUTION FOR CALIFORNIA CONDO OWNERS Under a Motus Earthquake Insurance Program, the HOA board first enrolls the association for a nominal fee. Once the HOA is enrolled, each member of the association can purchase the level of protection that is right for them – or they can choose to decline. Like a master earthquake insurance policy, each Motus program is tailored to the needs of each individual association, including coverage of shared assets, like foundations, pools and common area amenities. Furthermore, we offer coverage to unit interiors, including owner improvements, which most master policies don’t cover. M otus Insurance Services has developed the first ever “OPT-IN” master earthquake insurance progra f"6Ɩf&6F֖VvW'0&fVB'FRFW'FVBb7W&6R&6V@'6'&W"&FVB( ( '&W7BBF֗GFVBFR7FFRb6Ɩf&FRfVFW"B4TbGW2FVvƗ055R452F67W76W2FR&WB6VvW2FBVBFFWfVF2VVRWr6WFvBVBRF&VƖWfRVF&VǒWrV'FVR7W&6P&GV7Bv2VVFVBf"6Ɩf&6FvW'3f"FV6FW26Ɩf&6FW&W7BFWfVVB&&G0BvW'2fR&VV7GV6&WGvVV&6B&B6RvV@6W2FFRVW7FbV'FVR7W&6R7FW"V'FVPƖ6W2ffW"6&VV6fR&FV7FF&VBFV6766F( 0VVG2'WBFB&FV7F6W2B6vf6B67B( 26FRf7@&Gb2F( B'WBvFWB7FW"Ɩ7BFRWfVFfGVvW'0fRG&FFǒ&VVVgBvFF2FB&RfWrBfvVCFR6Ɩf&V'FVRWF&G4TffW'26R&FV7F'WBFB&FV7F2Ɩ֗FVB4T( 27276W76VB6fW&vR06VBBCBFvRFfVFF22B6&VVFW22W6VFVBB26WV6fRBW&27@'FFǒB2Vf&RFFR&Gb6FvW'3V@vW"W7BfRFfGVbƖ7v6fW"sRb6FvW'2FBfRआrFBR6fRF2&&VGW27W&6R6W'f6W20FWfVVBfFfR&64DTt4TE4DU d#W&6RPVFW"f67FWfRƖFw&VदFW'6FffƗGFP&vVpƖF'Fv֖RW7B6VG6G&FW'F7FWfR'V&ƖrFRGW2V'FVR7W&6R&w&766F&&BW2FR6&VV6fR&FV7Fb7FW"V'FVR7W&6RƖ7f&RFV6VBvW ( 2vFWBf&6rFfGVV&W"Ff"&FV7FFWF( BvBFBv2W"VFFRvFW6vrFP&w&&&6W"6G&0wW26FW&6G'666&'&G'FW6VV6W&֖6VRVPf7F"6V6W&26RW&66R6'FWV'WvBvVB&RFRBbW&66r6fW&vRbאVv&"FW6( CFV&&RFW6627FWRזW'0&&W'BFWfƖF( &vRfRFW6vVBFR&w&F&fFR6fW&vP&Vv&FW72bvWFW"FW"V&W"W&66W07W&6RgFW"V'FVRFR&&BvƖVǒWg7V676W76VBFf"FvRbRfR6fW&vRFVvGW2vRv6fW"FB76W76VCW"Vv&"vfPF6RWvFFR66FRWG&VR66RvW&RFW&R2FF72BFRFV6FW2BF&V'VBvR6ǒPFR66fVRbW"VB267G'V7FVBWFFRƖ֗BbW 7W&6RvR&RFRf'7BFwV&FVRFB66WBW&Fvr66GBF&vRGVVFW"Gv6fW&FBV6VFvVFW&VVGv&G2vG6&vW"Vv&&W'B&FF6VFf&W&6&F&G&wVW6'g&W"F&V&70'v76G&66G6vG&F&vR66WVGv&BvWfVƖ6G6V6g&666vW&R6VffV@&vW"vBFfB6VfPvFw&WF6VfW&RwVƖ66V&7FVW w&Vr6F6R7FWV0&&W'B&FvG&FV6&6FfF6WF&66v&fFХV&f&&vG6'&RvFW 6&7F2&vvVGvFPR&&6&B&'&F'W6WvrF&VR&FvR&VƖWfRFBvRfPFWfVVBfW'VffV7FfR6WFf"6F֖VvW'2'WBF@W"&w&2WVǒ'F@Ff"&&G2&&G2F@F( BW&66R7FW"Ɩ7vWFW"&V6W6RFWFF( BW'7VPB"6VF( BvWBFRƖ7&fV@F&VvfFR&RVffV7FfVǐ6FVrFV"VBvW'2FFVWǒfvVB7V'7FF&B6fW&vR'V&ƖrGW2&w&FP&&BV7W&W2vW'2fR66W70F&VV'FVR6fW&vRFW&V'gVfƖrFV"fGV6'GWG&66ǒF2FBRFBFW&Rv0VvRw&Wb6F֖VvW'0vvFVBFRVƗG6fW&vRb7FW"Ɩ7'WB6VF( B66W72BC FW&W6vWp&RFW&RFW"66FW&F2RvVBƖRF𦆖vƖvBf"W"&VFW'3vRFW&R&RFW&FfW2f FfGVvW'2WG6FRbFR4TF6RFW&FfW27VffW"g&FV"vƖ֗FF2VFFVǒ'fƖrFW&66R7FW"V'FVRƖ7766F2&&G2&R6FVpFV"fVrV&W'2F( 2B&W7B( 07V'7FF&B&FV7FࠐUr@$TUtT@T$U%40FVvƗ255R4522FRfVFW"@4TbGW27W&6P6W'f6W2f"PFW&W7FVBV&p&RvFwwrGW626632EU2Ԕ2"VFGW626Фg&VFVV66@66FVvuur44B$pC0