Earthquake Damage Claims Expert
Seismic damage insurance specialists serving CA, AZ, WA, ID, CO & TX
Get Free ConsultationExpert Earthquake Damage Claims Assistance
Earthquakes can cause devastating damage to homes and businesses throughout California, Arizona, Washington, Idaho, Colorado, and Texas. From foundation cracks to complete structural failure, earthquake damage is often complex and expensive to repair. Apex Adjusting Group specializes in earthquake insurance claims, ensuring you receive full compensation for all seismic damage.
Many property owners don't realize the full extent of earthquake damage until months or years later when hidden structural issues emerge. Our licensed public adjusters have the expertise to identify all earthquake-related damage, document it properly, and negotiate maximum settlements with your insurance company.
What We Cover
Our Earthquake Claims Process
Structural Assessment
Comprehensive evaluation of foundation, structural, and seismic damage to your property.
Engineering Analysis
Coordination with structural engineers to document hidden damage and safety issues.
Complete Documentation
Detailed photos, measurements, and reports of all earthquake-related damage.
Claim Negotiation
Expert negotiation with your insurance company for complete repair compensation.
Settlement
Fair compensation to restore structural integrity and repair all earthquake damage.
Common Earthquake Damage Claims
- Foundation Damage: Cracks, shifts, settlement, and foundation failure
- Structural Damage: Wall cracks, ceiling damage, and framing issues
- Chimney Damage: Collapsed or damaged chimneys and masonry
- Pool & Hardscape: Cracked pools, damaged decks, and broken driveways
- Utility Damage: Gas lines, water pipes, and electrical system damage
- Interior Damage: Cracked drywall, tile, and flooring damage
Understanding Earthquake Insurance
Earthquake coverage is typically separate from your standard homeowners or commercial property insurance. It's important to understand what your earthquake policy covers:
- Building structure and foundation repairs
- Personal property damaged by earthquakes
- Additional living expenses during repairs
- Deductible requirements (typically 10-25% of coverage)
- Policy limits and coverage exclusions
Earthquake Damage Claims FAQs
Is earthquake damage covered by homeowners insurance?
No, earthquake damage requires separate earthquake insurance. Standard homeowners policies specifically exclude earthquake damage. You must have an earthquake insurance policy or endorsement to have coverage for seismic damage.
How much does earthquake insurance cost in California?
Earthquake insurance premiums vary based on location, building type, and deductibles. California Earthquake Authority (CEA) policies typically have 10-25% deductibles. A public adjuster helps maximize your claim within your coverage limits.
What is the typical deductible for earthquake insurance?
Earthquake insurance deductibles are typically 10-25% of the dwelling coverage amount, significantly higher than standard insurance deductibles. For a $500,000 home with a 15% deductible, you would pay the first $75,000 before insurance coverage begins.
Should I hire a public adjuster for my earthquake claim?
Absolutely. Earthquake claims are among the most complex property damage claims, involving structural engineering, hidden damage, and high deductibles. Public adjusters ensure all damage is documented and valued correctly to maximize your recovery above the deductible.
What does earthquake insurance actually cover?
Earthquake insurance typically covers structural damage to your home, personal property damage, additional living expenses if your home is uninhabitable, and sometimes pool/spa damage. Coverage varies by policy, so we review your specific policy to maximize benefits.
How long do I have to file an earthquake claim?
Most earthquake insurance policies require notification within a reasonable time, typically days to weeks. However, earthquake damage may not be immediately apparent. Contact us quickly after an earthquake to document damage before it worsens or is repaired.
Can a public adjuster help if my earthquake claim was denied?
Yes. We frequently appeal denied earthquake claims. Common denial reasons include disputes over whether damage was caused by the earthquake versus pre-existing conditions, or arguments about the extent of damage. We gather engineering evidence to support your claim.
What if I only have minor cracks - should I still file a claim?
Visible cracks may indicate more serious hidden structural damage. Given high earthquake insurance deductibles, evaluate whether damage exceeds your deductible before filing. We offer free assessments to help determine if filing a claim makes financial sense.
How are foundation cracks evaluated in earthquake claims?
Foundation crack evaluation requires structural engineering expertise. We coordinate with licensed engineers to determine if cracks are superficial or indicate structural damage requiring foundation repairs, and document this properly for your claim.
What happens if earthquake damage is discovered months later?
Some earthquake damage isn't immediately apparent and emerges later. Report any newly discovered damage to your insurer promptly. We help establish that the damage was caused by the earthquake event, not subsequent events or pre-existing conditions.
Get Expert Help with Your Earthquake Claim
Free consultation. No recovery, no fee. Maximize your earthquake damage settlement.