Signs of past California ‘mega-quakes’ show danger of the Big One on San Andreas fault

As Interstate 10 snakes through the mountains and toward the golf courses, housing tracts and resorts of the Coachella Valley, it crosses the dusty slopes of the San Gorgonio Pass.

The pass is best known for the spinning wind turbines that line it. But for geologists, the narrow desert canyon is something of a canary in the coal mine for what they expect will be a major earthquake coming from the San Andreas fault.

The pass sits at a key geological point, separating the low desert from the Inland Empire, and, beyond that, the Los Angeles Basin.

Through it runs an essential aqueduct that feeds Southern California water from the Colorado River as well as vital transportation links. It’s also the path for crucial power transmission lines.

California earthquake experts believe what happens at the San Gorgonio Pass during a major rupture of the San Andreas fault could have wide-ranging implications for the region and beyond.

They worry a huge quake could sever lifelines at the pass for weeks or months, cutting Southern California off from major highway and rail routes as well as sources of power, oil and gas. Southern California’s cities are surrounded by mountains, making access through narrow passes like the San Gorgonio essential.

The San Andreas fault, in heavy red, slices through key mountain passes including the San Gorgonio Pass and the Cajon Pass. The San Andreas fault, in heavy red, slices through key mountain passes including the San Gorgonio Pass and the Cajon Pass. (U.S. Geological Survey)

Experts have also expressed grave concerns about the Cajon Pass, where Interstate 15 and key electric and fuel lines run. Other problem spots are the Tejon Pass, through which Interstate 5 passes, and the Palmdale area, through which the California Aqueduct crosses.

One of the most dire scenarios geologists have studied is a quake that begins at the Salton Sea. Such a quake would be particularly dangerous because the fault’s shape points shaking energy toward Los Angeles.

Southern California has not seen an earthquake like this since humans started recording history here. But the geological evidence of such quakes is all around us.

Where electric lines cross the San Andreas fault

Where electrical transmission lines cross the San Andreas fault, according to a 2008 reportWhere electrical transmission lines cross the San Andreas fault, according to a 2008 report. (U.S. Geological Survey / ShakeOut)

Signs of megaquakes

In Desert Hot Springs, hints of the mighty San Andreas fault lie all over: The rise of mountains that created the Coachella Valley. The oases and palm trees — made possible only because earthquakes pulverized rocks that allowed springs to burst to the surface.

A geologist’s trained eye can even spot exactly where the fault is located. In one exposed cliff, USGS research geologist Kate Scharer showed how one side of a hill has moved northward and skyward compared with the right side — and the gouge in the hillside between them was the fault.

Seismologist Lucy Jones stands on top of the San Andreas fault, which has pushed up the left side of the hill northward and higher than the side to the right from past earthquakes. (Photo by Allen J. Schaben / Annotation by Raoul Ranoa / Los Angeles Times)

Farther away, Scharer described how an old lower canyon was severed from the upper canyon and its ancient source of water.

The old path of the Pushawalla Canyon was carved into Earth 32,000 years ago, according to U.S. Geological Survey research geologist Kate Scharer. Since then, the lower part of the canyon has been moving left, to the northwest, and has moved half a mile so far. (Kate Scharer / U.S. Geological Survey)

Direction matters

There’s a reason why this particular scenario vexes scientists:

An earthquake arriving from this direction would point cataclysmic shaking directly into the heart of L.A., a kind of disaster that has not been seen since humans began recording history in California. Shaking could last for as long as three minutes.

In a magnitude 8.2 scenario, the earthquake would begin at the Salton Sea, and then — like a big rig driving on a freeway — speed up the San Andreas fault toward Los Angeles County.

“It’s shooting all of that energy straight into the L.A. Basin,” Scharer said.

This animation shows how intense shaking is directed from the San Andreas fault into the Los Angeles Basin. Areas of yellow indicate strong shaking; orange is “very strong” shaking and red is “violent” or “extreme” shaking, causing collapses. (U.S. Geological Survey / Southern California Earthquake Center)

Why a quake that begins so far away matters

An earthquake that begins more than 100 miles from L.A. might seem like something you might not worry about.

But a magnitude 8.2 earthquake is no ordinary earthquake.

The traditional image of an earthquake might be to show the epicenter — the point at which the earthquake begins. (USGS, Mapzen, OpenStreetMap, Angelica Quintero / Los Angeles Times)

But that doesn’t tell the whole story.

A better representation of a large earthquake would show how the earthquake travels up the fault. And this becomes more important for large earthquakes, which require an incredible amount of area in which the sides of the fault move against each other.

So, according to seismologist Lucy Jones, if a San Andreas earthquake began at the Salton Sea and …

♦ ended at Mount San Gorgonio, it would be a 7.3 earthquake.

(U.S. Geological Survey, Mapzen, OpenStreetMap, Angelica Quintero / Los Angeles Times)

♦ stopped at the Cajon Pass, it would be a magnitude 7.6 or 7.7 seismic event.

(U.S. Geological Survey, Mapzen, OpenStreetMap, Angelica Quintero / Los Angeles Times)

♦ traveled up to Lake Hughes, the earthquake would clock in at 7.8.

(U.S. Geological Survey, Mapzen, OpenStreetMap, Angelica Quintero / Los Angeles Times)

♦ and “if it goes all the way from the way from the Salton Sea to near Paso Robles, we’d get an 8.2. So that’s probably the biggest we can have,” Jones said.

“I think it’s going to go all the way to Paso Robles,” Jones said of the next Big One.

Jones cited a recent study by Scharer that found that earthquakes happen at the San Andreas around the Grapevine on average every 100 years. It has been 160 years since the last major earthquake on that section of the fault.

Hope for L.A.

Here in the Coachella Valley and across the West Coast, scientists have been busy installing new seismic equipment as they construct an earthquake early warning system, which could give places like L.A. seconds — or even a minute or more — of warning before the shaking waves arrive from an earthquake.

The project, however, is in danger of losing funding. President Trump’s proposed budget suggests ending federal funding for the early warning system. Southern California’s elected officials in Congress have voiced support for continuing funding of the project.

Aris Aspiotes, a field engineer with the USGS, shows off an earthquake sensor that measures the movement of ground on the San Andreas fault. (Allen J. Schaben / Los Angeles Times)

Here are some more answers to questions given by Jones and Scharer as they gave a tour to elected officials on a trip organized by the Southern California Assn. of Governments:

Why are we so concerned about the San Andreas fault, when other faults are closer to cities?

The worst thing about an 8.2 on the San Andreas is that all of Southern California would be hit hard at the same time. San Bernardino, for instance, wouldn’t be able to call for help from Los Angeles, which would have its own problems.

“With 300 miles of fault all going in the same earthquake, you then have everybody affected at the same time,” Jones said. “The San Andreas is the one that will produce the earthquake that’s going to cause damage in every city” in Southern California — including Santa Barbara and San Diego.

Why is the San Andreas considered so likely to rupture?

Because it’s California’s fastest-moving fault.

“It’s a little bit like — the moron who is driving the fastest is the most likely to get into an accident,” Scharer said.

If a couple were holding hands across the San Andreas fault, what would happen when the earthquake hits?

Here in Desert Hot Springs, the couple would be thrown down. The ground would shatter. And in a matter of seconds the two would be separated by as much as 30 feet, Scharer said, almost the entire length of a city bus.

One would lurch toward San Francisco, and the other toward the Mexican border.

Can the San Andreas trigger aftershocks on other faults closer to the city?

Yes. One scenario of a San Andreas earthquake results in aftershocks on the Newport-Inglewood fault, which runs between L.A.’s Westside through Orange County, and the Sierra Madre fault in the San Gabriel Valley. “We even had one in Sacramento,” Jones said.

Even the Hayward fault in the San Francisco Bay Area could be set off by an earthquake on the southern San Andreas fault, Jones said.

This has happened before. The great 1906 San Francisco earthquake, estimated at being magnitude 7.7 to 7.9, sent a 5.5 aftershock to Santa Monica Bay and a magnitude 6 earthquake to Imperial County, near the Mexican border.

Can you explain how the San Andreas fault works?

Western California — San Diego, Los Angeles, Santa Barbara — is moving to the northwest. Areas to the east of the fault are moving to the southeast.

Los Angeles is slowly moving closer to San Francisco as a result of earthquake activity on the San Andreas fault. (U.S. Geological Survey)

How fast has the San Andreas fault moved in the last million years?

It has moved about 22 miles in the last million years, Jones said.

When will the Big One hit?

We just don’t know. “Things don’t happen like clockwork,” Scharer said.

The San Andreas fault does not slice under the city of Los Angeles. So why should Angelenos worry?

Los Angeles sits on a basin filled with sand and gravel.

So when shaking waves come, they “bang up against the side of the mountains and reverberate back out across the basin,” Scharer said. “Those waves are very effective at traveling through piles of gravel.”

Can scientists develop something that could absorb all the shaking energy from a massive earthquake before the city is hit?

No. The energy produced by a large San Andreas earthquake, “it’s like the size of a small nuclear bomb,” Scharer said.

An 8.2 earthquake would produce far more energy than what was produced by the nuclear bomb dropped on Hiroshima.

Do small earthquakes relieve pressure on the faults?

No. “Little earthquakes don’t get rid of big ones,” Jones said. “The more little earthquakes you have, the more you have to have bigger ones.”

How should cities cope with the earthquake risk?

Jones said utilities, such as water, electricity and gas, require more attention. “If we don’t deal with utilities … we aren’t going to be able and stay here and work,” she said.

Are California’s building codes equipped to deal with big earthquakes?

A few California cities have boosted safety regulations for older buildings in response to earthquakes. In recent years, several cities, including Los Angeles and San Francisco, began requiring retrofits of vulnerable apartment buildings. L.A. is even requiring retrofits of brittle concrete buildings.

But Jones is critical of minimum building standards for new construction in California, which she said allow for a 10% chance of new buildings collapsing and killing people in an earthquake.

Jones favors increasing standards for new construction, ordering new buildings designed so that they can be immediately occupied after an earthquake. She said that would increase costs by 1%.

“I think you need to be safe enough to walk into a building, so that you don’t lose the use of it — and so your neighbors don’t lose the use of their buildings,” she said.

Are new buildings built better elsewhere?

Jones says new buildings are stronger, for example, in Chile. That’s because the country makes those who build new buildings responsible if the structure suffers earthquake damage in the first decade after it is completed.

As a result, owners have insisted on strong construction, Jones said. And the country rode out a recent magnitude 8.8 earthquake well.

This article is reposted from LA Times. Read the original article at http://www.latimes.com/local/lanow/la-me-ln-tour-san-andreas-fault-lucy-jones-20170613-htmlstory.html

Things to Think About Before Handing Your Teenager the Keys to the Car

Hey Parents of Teenagers,

How are you hanging in there? It’s been a fun ride, hasn’t it? Watching our kids grow up into independent thinking, witty, wise, and unique teenagers. I, for one, still vividly remember watching my kids in the rear view mirror of my minivan, securely fastened into their car seats, eating their cheerios. It feels like it was just yesterday when we retired the booster seats and then years later, allowed them to move into the front passenger seat, and now…. they want to take the driver’s seat! Yikes!

If your kids are anything like mine, they are already counting down the days until they can get their driver’s license. And as if the thought of my kids driving wasn’t enough to keep me up at night, the fear of what’s going to happen to my auto insurance premiums sure doesn’t help (and no, insurance agents don’t get any special discounts).

There is no doubt that your auto insurance premiums are going to go up – this is unavoidable. Teenagers, even the super responsible, rule following, incredibly awesome ones represent an extremely high level of risk to an insurance carrier. New drivers are not eligible for the California Good Driver’s discount for 3 years and then, only if they have kept their driving record clean of “at fault” accidents and have no more than one minor driving violations on their record.

Given what you cannot control (see above paragraphs), there are some things that you and your teen can do to help keep your rates down:

  • Get good grades – every auto carrier gives a discount to full time students with a 3.0 GPA or better (this is not random, statistically, conscientious students are conscientious drivers). This discount can be as much as 15-20%.

  • Take advantage of multi-policy discounts – carriers will discount both your home and auto policies by 10-20% if you put them both with the same carrier. This is called packaging and teenagers or not, it’s always a good strategy.

  • Don’t buy your teenager a car until you absolutely have to! The insurance rationale behind this is that if you have as many drivers as cars in your household, then every driver is assigned a car and is considered a full time driver. If you have more drivers than cars, your teenager can be considered a part time driver and the rates will be significantly less.

  • All cars are not created/rated equal. If you are shopping for a car for your teen driver, remember that the higher the replacement value of the car, the more expensive it is to insure. For instance, using my son as an example, the difference between insuring him on a 1997 Honda Civic vs a 2017 Audi A4 would be over $2000/year.

  • Lastly, choose your agent wisely (this is my plug). A good agent will not only shop out your insurance for the best products and rates, but will also offer very important guidance on how much coverage you need to protect your assets. Beware of agents that only represent one carrier, options are key and no one carrier has all the answers.

Please call or email me so we can talk about the best insurance strategy for your family. Teenagers keep us busy with all sorts of worries and demands. Transfer the stress of insurance to me and free your mind to think about other pressing issues, like college tuition!

Barbara Madvin
Producer, Gaspar Insurance Services, Inc.

Questions or comments? barbara.madvin@gasparinsurance.com

Putting Lady Gaga on the Super Bowl’s roof could cost over $100,000 to insure

Golden GAGA

Lady Gaga just wants to dance, but might previous bad romances with insurance providers prove her downfall?

Gaga, who will headline the Super Bowl halftime show on Feb. 5, reportedly intends to perform on the top of the dome that covers the NRG Stadium in Houston. According to the New York Post, event organizers are trying to figure out how to get her up there safely, while also having heart palpitations about what insuring her stunt might cost. (Gaga’s representative didn’t respond to a request for comment, but the 30-year-old entertainer has teased fans with Instagram posts that show her preparing for the show from a tented dance floor in her backyard.)


Most of the insurance companies would probably say “no way” to covering such a stunt, says Tim Gaspar, owner of Los Angeles-based insurance agency Gaspar Insurance Services. “Insurance companies are not in the business of taking risks, though it seems like they are.”

The upside for daring policy providers is the higher premium they can charge. Gaspar estimates that Gaga’s daredevil impersonation would likely run the show’s producers between $100,000 and $200,000 in insurance fees. Even then, the least risk-averse insurers still won’t cover Gaga if she decides to just get onto a helicopter and jump onto the stadium’s fabric roof.

If Gaga hasn’t decided how exactly the event would be carried out, that would also pose a challenge to insurers. “We usually get information about the show long in advance so we can work with creative,” says Susan McGuirl, head of the North America entertainment division at insurer Allianz Global Corporate and Specialty, noting that everyone from weather forecasters to local health and safety authorities “interact to ensure anything like this goes off appropriately.”

Gaga’s audacious move to reportedly sing from the rooftops would be a break from last year’s half-time show, when headliners Coldplay were panned for being too tame. And while Beyoncé’s “Black Lives Matter”-inspired cameo grabbed headlines, it was seen as too political for one of the few mass-televised events left.

One of the problems with Gaga’s potential stunt is that there’s little actuarial history of what happens when an entertainer of Gaga’s repute performs on a rooftop. Gaspar estimates that an insurer for a less risky Super Bowl Halftime show would likely charge about $40,000 for the approximately 30-minute event, with feet-firmly-on-ground headliners costing $12,000 for $1 million in liability. The biggest concerns for insurers are usually cancellations due to the weather or workers’ compensation, all of which insurers have plenty of data on and can price into their policies.

In-air performances and coverage of esoteric items like celebrity body parts are an entirely different story. Only so-called surplus line insurance providers, which operate out-of-state and whose fees aren’t capped by local regulations, are likely to offer such policies. A syndicate of Lloyd’s of London, the insurance marketplace that is known for covering celebrities’ body parts, is a likely candidate to offer a quote for such a policy, industry insiders say. Allianz, which has covered the Super Bowl halftime show in the past, is also a big player. (Lloyd’s wasn’t available for comment.)

Gaspar, whose company insures events, says that daring agencies will require Gaga to follow the same safety regulations that apply to laborers working on skyscrapers. “They will require her to be in a harness and bolted to a structure 100% of the time,” he says. “And they will want to know who made the harness and what it’s bolted to.”

The NFL told Forbes last year that it doesn’t pay acts to perform, but only covers production expenses. It’s unclear if that includes insurance.

Of course, Gaga’s history with other insurers could make it harder for her to gain coverage. In 2010, Navigators Specialty Insurance Co. refused to pay out on Gaga’s $3 million policy when she was involved in a $30 million legal dispute with her pre-fame producer.

Ultimately, insurance companies like covering people with “no history of insurance claims that stay under the radar,” says Gaspar. “”Her history could make a challenging situation a bit more challenging.”


This article is reposted from MarketWatch. Read the original article at http://www.marketwatch.com/story/putting-lady-gaga-on-the-super-bowls-roof-could-cost-over-100000-to-insure-2017-01-18.

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