What Can I Do About The Earthquake And Flood Exclusions?
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UPDATED: Sep 15, 2020
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Many insurance companies in areas prone to earthquakes offer earthquake coverage. In 1996, the California Legislature passed and the governor signed legislation creating the California Earthquake Authority — a state-managed authority that offers a very restricted earthquake policy. While this coverage is often expensive, it is important for a homeowner in an earthquake prone area to explore the availability and cost of this important coverage.
Flood insurance is available nationwide through many insurance companies. Private insurers write flood insurance under a special agreement with the federal government through the National Flood Insurance Program (NFIP). This coverage is extremely important to those who are in areas subject to flooding, since resulting damage is commonly excluded from coverage under all forms of standard homeowner’s insurance policies.