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<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd"><url><loc>https://edewards.net/about/</loc><image:image><image:loc>https://edewards.net/wp-content/uploads/2024/11/jonathan_edewards_citrust_insurance_6304-1-4007_square_full.jpeg</image:loc><image:title>Jonathan_Edewards_Citrust_Insurance_6304-1-4007_square_full</image:title></image:image><image:image><image:loc>https://edewards.net/wp-content/uploads/2011/03/img_1717-square.jpg</image:loc><image:title>IMG_1717 square</image:title><image:caption>Your friendly insurance professional</image:caption></image:image><image:image><image:loc>https://edewards.net/wp-content/uploads/2011/03/me-pp-oct2009.jpg</image:loc><image:title>Jonathan Edewards</image:title><image:caption>Your friendly insurance professional</image:caption></image:image><lastmod>2024-11-02T18:12:27+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://edewards.net/contact-me/</loc><image:image><image:loc>https://edewards.net/wp-content/uploads/2022/08/jonathan_0164-3252-square.jpg</image:loc><image:title>Jonathan_0164-3252-square</image:title><image:caption>Jonathan Edewards, Citrust Insurance Agency</image:caption></image:image><image:image><image:loc>https://edewards.net/wp-content/uploads/2011/03/blue-shield-health-get-a-quote-button.gif</image:loc><image:title>Blue-Shield-Health-get-a-quote-button</image:title><image:caption>Health Insurance Quote</image:caption></image:image><image:image><image:loc>https://edewards.net/wp-content/uploads/2011/03/me1.jpg</image:loc><image:title>Jonathan Edewards</image:title><image:caption>Your Friendly Insurance Professional</image:caption></image:image><lastmod>2022-12-17T02:49:17+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://edewards.net/2019/12/15/how-much-will-it-cost-to-rebuild-after-an-earthquake-in-southern-california/</loc><image:image><image:loc>https://edewards.net/wp-content/uploads/2019/12/jonathan-edewards-citrust-insurance-2018-500.jpg</image:loc><image:title>Jonathan-Edewards-Citrust-Insurance-2018-500</image:title></image:image><image:image><image:loc>https://edewards.net/wp-content/uploads/2019/12/christchurch-earthquake-offers-lessons-to-california.jpg</image:loc><image:title>Christchurch earthquake offers lessons to California</image:title><image:caption>Los Angeles Times article Sunday Dec 15th, 2019. QUAKE PROVIDES URGENT LESSON FOR CALIFORNIA</image:caption></image:image><lastmod>2019-12-22T20:54:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://edewards.net/2017/10/13/could-consumers-actually-benefit-from-the-silver-surcharge/</loc><image:image><image:loc>https://edewards.net/wp-content/uploads/2017/10/1a42498c-c4c7-4042-935e-aa10623a5dcc_metal_tier_3.png</image:loc><image:title>Bronze-Silver-Gold-Platinum-healthplans</image:title></image:image><lastmod>2017-10-13T07:14:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://edewards.net/2011/10/27/making-your-home-earthquake-safe-retrofitting/</loc><lastmod>2017-10-05T21:23:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://edewards.net/2017/09/11/anthem-blue-cross-discontinues-individual-health-insurance-plans-in-southern-california-as-trump-administration-destabilizes-markets/</loc><image:image><image:loc>https://edewards.net/wp-content/uploads/2017/09/jonathan-edewards-citrust-insurance-2017-500.jpg</image:loc><image:title>Jonathan-Edewards-Citrust-Insurance-2017-500</image:title></image:image><image:image><image:loc>https://edewards.net/wp-content/uploads/2017/09/anthem-id-card-sample-non-renewal.jpg</image:loc><image:title>Anthem-ID-card-Sample-non-renewal</image:title></image:image><lastmod>2017-09-11T22:25:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://edewards.net/2015/09/24/small-group-health-insurance-why-rates-are-increasing-and-the-difference-between-grandmothered-or-grandfathered-plans-vs-the-new-aca-plans/</loc><image:image><image:loc>https://edewards.net/wp-content/uploads/2015/09/screen-shot-2015-09-24-at-10-28-11-am.jpg</image:loc><image:title>Screen Shot 2015-09-24 at 10.28.11 AM</image:title><image:caption>Why are small group health insurance rates increasing, and what is the difference between the way that the new "Obamacare"/ACA/Affordable Care Act plans are rated vs the way they were rated previously.  The explanation  is: 1. No more "discounts" (previously known as a "RAF"). 2. In many cases, the new ACA plans have better or increased benefits that are mandated by law.  The new plans cover more.  3. New regulations regarding how plans charge consumers, designed to spread the cost more equally among the population, so that there are fewer instances of some people paying very little and some people paying extraordinarily high rates.  This benefits people who are sicker and older, or who live in areas where hospitals and doctors charge more, and it hurts people who are young, healthy, or live in areas where healthcare costs are very competitive.</image:caption></image:image><image:image><image:loc>https://edewards.net/wp-content/uploads/2014/08/cropped-pasadena-chamber-citrust-insurance.jpg</image:loc><image:title>cropped-pasadena-chamber-citrust-insurance.jpg</image:title></image:image><lastmod>2017-09-04T05:02:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://edewards.net/2017/07/26/how-long-does-a-traffic-violation-accident-or-suspension-stay-on-my-motor-vehicle-record-mvr-and-drive-up-my-insurance-rates/</loc><lastmod>2017-07-26T23:25:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://edewards.net/2016/10/01/southern-california-earthquake-risk-increases-most-homeowners-uninsured/</loc><image:image><image:loc>https://edewards.net/wp-content/uploads/2016/10/2016-10-01-latimes-seismologists-shaken-up-salton-sea-earthquakes-bkpg.jpg</image:loc><image:title>2016-10-01-latimes-seismologists-shaken-up-salton-sea-earthquakes-bkpg</image:title></image:image><image:image><image:loc>https://edewards.net/wp-content/uploads/2016/10/2016-10-01-latimes-seismologists-shaken-up-salton-sea-earthquakes-frntpg.jpg</image:loc><image:title>2016-10-01-latimes-seismologists-shaken-up-salton-sea-earthquakes-frntpg</image:title></image:image><image:image><image:loc>https://edewards.net/wp-content/uploads/2016/10/2016-10-01-latimes-seismologists-shaken-up-salton-sea-earthquakes-closeup.jpg</image:loc><image:title>2016-10-01-latimes-seismologists-shaken-up-salton-sea-earthquakes-closeup</image:title></image:image><lastmod>2016-10-02T19:10:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://edewards.net/2015/01/29/breaking-news-cedars-sinai-joins-blue-shield-ppo-network-march-2015/</loc><image:image><image:loc>https://edewards.net/wp-content/uploads/2015/01/citrust-square-e1473544442443.jpg</image:loc><image:title>Citrust Insurance Agency</image:title><image:caption>Citrust Insurance Agency</image:caption></image:image><image:image><image:loc>https://edewards.net/wp-content/uploads/2015/01/cedars-sinai_added_to_blue_shield_ppo_network.jpg</image:loc><image:title>Cedars-Sinai_added_to_Blue_Shield_PPO_network</image:title><image:caption>Screenshot of cedars-sinai.edu taken on1/29/15</image:caption></image:image><image:image><image:loc>https://edewards.net/wp-content/uploads/2015/01/blue-shield-health-get-a-quote-button.gif</image:loc><image:title>Blue-Shield-Health-get-a-quote-button</image:title></image:image><lastmod>2015-07-18T23:08:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://edewards.net/2015/01/17/what-do-you-need-liability-coverage-for/</loc><lastmod>2015-01-17T20:24:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://edewards.net/2014/02/28/your-friendly-insurance-professional/</loc><image:image><image:loc>https://edewards.net/wp-content/uploads/2014/02/20140228-155411.jpg</image:loc><image:title>20140228-155411.jpg</image:title></image:image><lastmod>2014-11-11T01:44:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://edewards.net/2014/08/28/how-much-is-the-penalty-for-not-buying-health-insurance/</loc><image:image><image:loc>https://edewards.net/wp-content/uploads/2014/08/health-insurance-penalty-fee-2015-2016.jpg</image:loc><image:title>Health-Insurance-Penalty-Fee-2015-2016</image:title></image:image><lastmod>2014-11-11T01:43:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://edewards.net/2011/12/08/warehouses-factories-and-shipments-face-higher-theft-risk-during-holidays/</loc><lastmod>2014-10-02T04:08:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://edewards.net/2011/12/02/santa-ana-winds-topple-pasadena-trees-insurance-claims-result/</loc><image:image><image:loc>https://edewards.net/wp-content/uploads/2011/12/img_16272.jpg</image:loc><image:title>crushed Volvo</image:title><image:caption>This unlucky Volvo was crushed by a toppled tree</image:caption></image:image><image:image><image:loc>https://edewards.net/wp-content/uploads/2011/12/img_1628.jpg</image:loc><image:title>windshield smashed by tree</image:title></image:image><image:image><image:loc>https://edewards.net/wp-content/uploads/2011/12/img_16271.jpg</image:loc><image:title>Car crushed by tree</image:title></image:image><lastmod>2014-10-02T04:07:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://edewards.net/2012/12/17/whats-going-on-with-workers-comp/</loc><lastmod>2012-12-17T23:40:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://edewards.net/2012/11/05/startling-stats-about-business-closures-following-extreme-weather/</loc><image:image><image:loc>https://edewards.net/wp-content/uploads/2012/11/extreme-weather-business-interruption.jpeg</image:loc><image:title>Extreme Weather &amp; Business Interruption</image:title></image:image><lastmod>2012-11-05T23:51:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://edewards.net/2012/07/21/are-you-screening-job-applicants-effectively/</loc><lastmod>2012-07-12T20:13:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://edewards.net/2012/08/07/oshas-new-chemical-hazard-communication-standards/</loc><lastmod>2012-07-12T19:58:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://edewards.net/2011/04/13/ipickpocket-identity-theft-credit-monitoring-and-insurance/</loc><lastmod>2011-07-22T00:00:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://edewards.net/2011/07/21/identity-theft-whos-on-your-side/</loc><lastmod>2011-07-21T23:56:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://edewards.net/2011/04/28/iphone-app-dials-claims-roadside-assistance-for-quick-help/</loc><lastmod>2011-04-29T00:53:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://edewards.net/2011/04/01/keep-your-shorts-dry-bill-ritas-business-continuity-plan-story/</loc><image:image><image:loc>https://edewards.net/wp-content/uploads/2011/04/hurr-rita-irloop_edit.gif</image:loc><image:title>Hurricane Rita</image:title><image:caption>Rita hits the Texas coast</image:caption></image:image><lastmod>2011-04-01T19:47:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://edewards.net/2011/03/25/does-your-business-have-an-earthquake-plan/</loc><image:image><image:loc>https://edewards.net/wp-content/uploads/2011/03/gas-cylinders.jpg</image:loc><image:title>Gas cylinders</image:title><image:caption>Will these gas cylinders break loose of their chains and roll?</image:caption></image:image><image:image><image:loc>https://edewards.net/wp-content/uploads/2011/03/los_angeles-fault-map.gif</image:loc><image:title>Los Angeles fault map</image:title><image:caption>Fault Lines in Southern California</image:caption></image:image><lastmod>2011-03-25T20:51:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://edewards.net/2011/03/15/hello-world/</loc><lastmod>2011-03-23T17:54:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://edewards.net</loc><changefreq>daily</changefreq><priority>1.0</priority><lastmod>2024-11-02T18:12:27+00:00</lastmod></url></urlset>
