- 24/7 Water Damage Emergency
- Direct Insurance Billing
No. In almost every case, your homeowner insurance would not cover damages caused by earthquakes. If you feel that your home is exposed to the risk of earthquakes, then it is better to buy a dedicated earthquake insurance policy.
Here are the specific coverages and claims you are eligible to receive after buying an earthquake insurance policy for your property.
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Dwelling |
The policy will bear the costs to rebuild your home and the structures attached to it. |
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Other Structures |
The policy will also bear the costs to repair other structures such as the shed or fence |
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Repair Your Belonging |
The policy will also pay to repair your belongings such as furniture & electronic items |
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Additional living expenses |
Do you need to temporarily relocate while your home is being rebuilt? The policy also covers your additional living expense such as hotel stays, restaurant bills, and pet boarding |
In most cases, your policy would require you to inform the insurer immediately after suffering the damage. It is recommended that you inform them within 24 hours of the damage. You would need to fix an appointment with their insurance adjuster as they will have to make the assessment for the claims process.
Please note that failure to inform them right away might result in a claim being rejected.
When you are dealing with damages as a result of an earthquake, there might be a lot of things going through your head. Therefore, the first thing that you need to do is just to keep calm and follow a specific process. Doing that will make it easier to get the claims on time.
It is always important to keep your family and loved safe after an earthquake. It might have caused severe structural damage to your home, and hence things like broken ceilings or rafters might fall off later. So, make sure that you move your family to a safe place. However, don’t remove anything from your home.
Next, you would need to get in touch with your insurance company. You can give them a call or contact them online. Make sure that you give all the details that they need and try to fix an appointment with their adjuster.
You would need to take photos of the damaged area and also make a list of the things that are damaged. If you have to live at a hotel while it is being done, make sure that those bills are ready as well.
Once you have done that, you will need to give us a call. Our dedicated team for insurance claims handling will review your policy and make sure to have a plan ready about the further course of action and assist you in getting the claims settled on time.
You would need to make sure that you get the insurance assessment done. We would make sure that the adjuster focuses their attention on the right areas and agree on the value of the damaged items.
Our team will help you submit all the claim-related papers and make sure you furnish all the required information in the right format.
Once the insurance is under processing, we will follow up with the insurer regularly and give you updates.
We would ensure that the time between making the first call and getting the final settlement is as quick as possible. We would also get the final paperwork done so to avoid any further issues.
The time taken for fire damage restoration depends on the extent of the damage. In most cases, it takes from a few days to up to a week.
Yes, we would help you take care of the insurance claims process. However, at certain stages, your presence would be required.
In most cases, you might be able to live in your home while restoration work is being done. However, if extensive parts of your home is damaged, then you might have to live elsewhere.