Does Homeowners Insurance Cover Earthquake Damage?

NO. Standard homeowners insurance will not cover earthquake damage. You must have a dedicated earthquake insurance policy in order to file a claim for earthquake damage.

How long do you have to file an insurance claim after an earthquake damage incident?

While all contracts are different, most insurance companies require that a prompt notice is given to the company. That means that if you have a loss you must notify your insurance company or agent right away.  Furthermore, you should file your claim as quickly as possible to avoid a breach of your insurance policy, which may justify your claim being denied.

Why should you hire a public adjuster for your earthquake damage claim?

Public adjusters are independent adjusters hired by individuals to represent them in their dealings with their insurance company. Our main objective is to get you paid every dollar you are owed under your policy. Our service is no upfront cost to you as we work on a contingency basis only and our fees are based solely on a percentage of the claim payments we bring you. Therefore, we are motivated to bring you the maximum amount available under your policy in the shortest amount of time.

What are the benefits of hiring a public adjuster for earthquake damage claims?

We save you time – We will manage your claim and minimize the time you spend dealing with adjustment issues, which include meeting with the insurance company, their contractors, and various other vendors.

We even the playing field – As a result of years of claim experience, the public adjusters at Avner Gat, Inc. can help you read and interpret policies to determine your maximum entitlement.

Faster resolution – We can quickly organize documentation to support the amount of your loss. We will present the evidence to your insurance company and can usually help you resolve your claim faster than if you were handling the claim yourself.

What do you do in an earthquake?

We’ve all heard the phrase “Drop, hold, and cover!” The first thing you should do in an earthquake is following these steps: Move very carefully to the closest and safest place, get under a large sturdy object, and cover your head and eyes. You want to avoid the possibility of getting hit by falling objects or stepping onto broken glass, so be very careful as you move around. Stay away from windows, shelving units, and anything hanging on the walls. If you are unsure about the situation outside, stay where you are, get on the ground, and cover your head. If the earthquake begins while you are outside, find a safe place away from power lines, streetlights, trees, and buildings. Crouch down and remain stationary until the earthquake ends. If an earthquake begins while you are driving, pull over to a safe location, stop the car fully, and remain stationary with your seatbelt on until the earthquake is over.

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