Earthquake Insurance Claims

The standard homeowner’s insurance policy does not include coverage in the case of an earthquake. There is no way to accurately predict when and where an earthquake might occur, so it is important as a property owner/renter to be proactive with an action plan and earthquake insurance coverage. The separate endorsement of earthquake insurance can either be supplemented onto your homeowner/renter insurance policy or purchased in the form of a stand-alone policy.

The U.S. Geological Survey reveals that 75 million Americans in 39 states are at significant risk from earthquakes. According to the U.S. Geological Survey, from the years 2002 to 2012, there were earthquakes of 4.0 magnitudes or greater documented in 23 U.S. states.

In a state of emergency, there can be a number of uncertainties and questions. Your safety and your family’s safety are of the utmost priority, and authorities may mandate an evacuation for your area. If you have an earthquake insurance policy, you should be covered for out-of-home expenses, including food and lodging for two weeks following the event of an evacuation.