Earthquakes - Are you Protected?

In the VI, earthquake coverage is usually included in a standard homeowner’s policy by endorsement. However, it is best to speak with your agent to ensure that it’s really included, and at a level that will protect you to your satisfaction. You may need to purchase either a supplemental policy to your current homeowner’s policy, or increase your premium. Automobile insurance policies generally cover vehicles for earthquake damage under the optional comprehensive portion of the policy. If you have questions regarding your policy, our team would be happy to advise you or review your policy.

What is Covered?
Earthquake policies typically cover damage to your house and your belongings, up to the insured amount. If possible, you’ll want to have enough to cover the cost of rebuilding your house and replacing your belongings. While your standard homeowner’s policy may cover fire damage that results from an earthquake, an earthquake policy is important to cover damage that results from shaking, such as structural collapse.

You should read your policy closely and discuss it with your agent to ensure you understand what is covered and what is not. Find out if it covers additional living expenses if necessary, and any other exclusions or limitations. You also should know how much time you have to file a claim following a quake, as damage is often not apparent immediately after the incident.

As you think about your coverage needs, It is also important to know that the government typically will not provide much financial aid for earthquake victims, and help may be limited to low-interest loans that you will need to repay.

Each policy is different, and you may have different priorities. Our team can offer you recommendations and help find the policy that best fits your needs. 

Be Prepared - Know How to React
In addition to being aware of what your insurance covers, it is important to know what to do when an earthquake occurs so you can react quickly. Follow these steps in order to be prepared and remain safe before, during and after an earthquake.

Before an Earthquake

• Locate and learn how to use the shutoff valves for water, gas and electricity in your home.
• Bolt down and secure your water heater, refrigerator, furnace and gas appliances to the wall studs.
• Hold earthquake drills with your family members: Drop, cover and hold on!
• Develop a plan for connecting or reuniting with your family after the disaster - ensure everyone has emergency contact numbers in their phones.

During an Earthquake

• If you are outside, move to a clear area free of power lines, signage or trees that may fall on you. 
• If you are driving, pull over until the shaking subsides. Avoid overpasses and power lines.
• If you are inside, stay there. Seek immediate shelter under a heavy desk or table, or brace yourself inside a door frame or against an inside wall, especially if in a taller building.
• If you are in bed, turn face down and cover your head and neck with a pillow. 
• Stay at least 15 feet away from windows and the kitchen.
• If shaking causes the desk or table to move, be sure to move with it.
• If you use a wheelchair, lock the wheels if possible and cover your head with your arms.
• Resist the urge to panic. Organize your thoughts. Think as clearly as possible, and anticipate the sights and sounds that may accompany an earthquake.
• If you are safely able to do so, assist anyone that need extra help.

Don't be surprised if the electricity goes out, if alarms begin ringing, or if the sprinkler system is activated. Expect to hear noise from broken glass, creaking walls and falling objects.

Immediately After an Earthquake

• Remain in the same "safe" location for several minutes after the earthquake, in case there are any aftershocks.
• Unless absolutely necessary, do not attempt to evacuate or leave your area until you have been instructed to do so.
• Check for injuries and administer necessary first aid. Recognize and assist those who are suffering from shock or emotional distress.
• Implement your survival plan. Establish a temporary shelter if rescue teams are expected to be delayed.
• If you are in a building, use the stairway when instructed to exit the building.

_{The information provided herein is not intended to be exhaustive, nor should it be construed as advice regarding coverage.  Eligibility for coverage is not guaranteed and all coverages are limited to the terms and conditions contained in the applicable policy.}