11.   State legislators and Insurance Commissioner Chuck Quackenbush are hoping to pass a law this year that would repeal the requirement that home insurance companies also sell quake coverage.

12.   The FAIR plan policy would be sold to all homeowners who wish to purchase quake coverage in the future, Garamendi said.

13.   The lack of quake coverage is reaching crisis proportions, the commissioner said.

14.   The Legislature also is considering repealing a state law requiring homeowner insurers to offer quake coverage.

15.   The only quake coverage she found was through the state insurance pool.

16.   Then a bank official casually mentioned that the quake coverage would be contingent on an inspection after the sale.

17.   Under the plan, carriers could resume selling new home insurance policies, but refer those customers interested in quake coverage to the FAIR plan.

18.   Under state law, insurers selling homeowner policies must also offer quake coverage.

19.   While the traditional homeowners coverage will be less expensive than before, quake coverage will not be a bargain, Hill said.

20.   Japanese television went to non-stop quake coverage, with footage shot from helicopters showing a landscape littered with collapsed buildings and damaged roadways.