How Deductibles Work

homeowner in front of damaged home

What do I need to make an Earthquake claim? Choosing a deductible for your Earthquake policy An earthquake can destroy a home and cause collapsing walls, flying glass, and falling objects. If an earthquake occurs, you should take the following immediate action: Take steps to protect yourself and your family. Promptly submit your claim by Read More »

What does FEMA do for Earthquakes?

What does FEMA do for Earthquakes?

When natural disasters strike, the Federal Emergency Management Agency (FEMA) is crucial in providing relief and support to affected communities. Earthquakes, one of nature’s most devastating forces, can cause significant damage to homes and properties. While FEMA offers assistance for various disasters, including hurricanes and floods, its coverage for earthquake damage is limited.  Does FEMA Read More »

Kicking Off 2024 with the Right Insurance

Guide to Reviewing Your Insurance Documents

New Year, New Insights: A Guide to Reviewing Your Insurance Documents Reviewing your insurance documents for the new year with this guide is a great way to start the year informed and prepared. As you’ve certainly heard us state before, the standard Homeowners policy does not protect against damage from an earthquake. Adding standalone Earthquake Read More »

Talking Points: 2023 ShakeOut

The International ShakeOut Day, every third Thursday of October, is a day of individual and community events featuring the largest earthquake drill ever, organized to inspire others to get ready for big earthquakes, and to prevent disasters from becoming catastrophes. What we do to prepare now, before the next big earthquake, will determine how well Read More »

Demand Surge After Natural Disasters

Demand Surge Example: Empty Store Shelves. Sign read: to accommodate for current demands, there is a limit of 2 cases per customer on all water

Natural disasters like hurricanes, earthquakes, and floods can cause widespread devastation in a matter of minutes. While the immediate effects of these events are often evident, the aftermath can also bring about unexpected consequences in the form of a demand surge. In this blog, we will explore how demand surge works when a natural disaster Read More »

Retrofitting a Home for An Earthquake

7 Steps to Retrofit a Home for Earthquake

Retrofitting a home for an earthquake involves making structural changes and improvements to increase the building’s resistance to seismic activity. Overall, earthquake preparation is an important aspect of emergency preparedness that can help protect lives, property, and businesses. By taking the necessary steps to prepare for earthquakes, individuals and communities can be better equipped to deal Read More »

5 Reasons Why Getting Disaster Insurance is a Challenging Choice

Get Insured: Why it is a challenging choice?

Why is Deciding to Get Disaster Insurance so Challenging? Humans make thousands of daily decisions, ranging from simple choices like what to wear or eat, to more complex decisions like buying a house or starting a business. With the increasing complexity of our world, decision-making has become more complicated than ever.  When buying insurance, many Read More »

Financial Impact: FEMA v Earthquake Insurance

Financial Impact: FEMA v Earthquake Insurance

Does FEMA Cover Earthquakes? FEMA (Federal Emergency Management Agency) provides financial assistance to individuals and families who have been affected by natural disasters, including earthquakes. The amount of assistance provided by FEMA varies depending on the extent of the damage and the resources available. As of 2021, the maximum amount of individual assistance that FEMA Read More »

Flood and Earthquake. Unexpected and Underinsured.

Do I Need Earthquake or Flood Insurance

Conditions in California are ever changing. The state is in the midst of a winter filled with record snow and rainfall. Are you prepared for these unprecedented events’ impact on your home and property? Californians are used to drought warnings, not flooding. Due to climate change, what we have always accepted as the level of Read More »

8 Steps to Earthquake Preparation

basketball game upsets and preparing for a real disaster

Did your team make the BIG tournament? The rush and excitement of March Madness can send fans into a frenzy watching buzzer beaters and blow outs. If your favorite gets knocked out, it’s not the end of the world, just a little heartbreak. When we think of actual disasters that can affect our homes and Read More »