The HEDIAI Issue (Homeowners, Earthquakes, Damage, Intensity, Acceleration, and Insurance), or should I say the Headii Issue, has been on my mind a lot recently. The issue is a cross-disciplinary one and involves homeowner, geologist, seismologist, engineer, insurance provider, lawyer, judge, and jury. What I want to address here is the need for more cross-disciplinary research and understanding between seismologist, geologist, and engineer for what I consider an extremely gray area between small to moderate earthquakes in Mid-America and the potential for damage to conventional homes. Why is this gray area an issue?

There is approximately $250 billion of homeowner...

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