Do you have earthquake coverage? Many insureds incorrectly assume their Homeowners insurance policy also provides earthquake coverage. In most cases, you’ll need to purchase a separate Earthquake insurance policy. In California, this policy is usually issued by the California Earthquake Authority which you can purchase though your normal insurance agent. The cost can vary drastically, as it all depends on your area’s level of risk. A CEA policy will give you coverage for your dwelling, your personal property, loss of use, and exterior masonry. Additionally, you’ll get coverage for breakables, building code upgrade, and emergency repairs. You can also qualify for a discount if your home or mobile home has been braced or retrofitted!
Earthquake Bolt + Brace Retrofit Program
The Earthquake Brace + Bolt (EBB) program provides homeowners with up to $3,000 to strengthen their home against earthquakes! Depending on several factors, a professional home retrofit can cost between $3,000 and $7,000. However, experienced do-it-yourself-ers may be able to do the job in under $3,000! The location and size of a house, the materials used, and contractor fees all factor into the cost of your home’s retrofit. Many houses have a short wood framed “cripple wall” that surrounds the crawl space under the first floor. Strengthening these walls prevents the house from coming off it’s foundation during an earthquake.
The EBB programs relies on the seismic retrofitting standards for existing residential buildings set in California Building Code, Chapter A3. Chapter A3 allows for:
- retrofit approval for a house with 4-foot or shorter cripple walls, without plans designed by a registered design professional.
- retrofit approval for houses with cripple walls higher than 4-feet, with plans designed by a registered design professional.
Click here to learn more about how to apply and who is eligible for the Earthquake Bolt + Brace program!
Want an Earthquake coverage? Give us a call at 661-542-7007!
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