Will you be prepared for the next "Northridge"?

Scenario

A 7 magnitude earthquake occurs at 3:00 am on Sunday morning. Your building and surrounding structures receive substantial damage. It's certain that the city will red tag the building for safety reasons.

Questions

1. Do I have insurance for earthquakes?
2. Do I have insurance for water damage from the sprinklers caused by the earthquake?
3. Do I need to review those coverage's on a regular basis?

More Questions

As stated, your building got a red tag.

1. Is the machinery damaged?
2. Can I move it?
3. Can it be moved?
4. Where would you move it?
5. If you can't move it, or it's broken, how long to get a replacement?

Can you rent equipment or lease it?

1. What about power?
2. Where can I do these things?
3. How long will I be waiting?

What about my product?

1. Is it damaged in "any" way?
2. Is my product considered "not new"?
3. Can I salvage anything?

How can I retain my customers?

1. Is there anyone who can help me keep the continuity of my business?
2. What coverage "should" I have?

Alternative Building (Temporary/Permanent )

About my Building

1. What is the loss on the building?
2. How do I find out?
3. Is there business personal property involved?
4. Loss of Income? Personal? Employees?

Extra Expenses

1. Are there dependant properties?
2. Will there be a rental increase?
3. How many properties do you own?
4. Should I insure them individually or blanket?
5. What do you mean Co-Insurance?

Relocation expenses

1. Does that include mailers to my clients for the new address?
2. What about letterhead/business cards phones/computers?
3. Power wiring?
4. If I move to a temporary location, and my building will not be fixed, do I have to stay in the temporary location?
5. Do I have insurance for the temporary location?

I can buy replacement equipment, but the vendors want a premium price for fast delivery.

1. Who will pay the difference?