How to File an Earthquake Insurance Claim

Most people purchase property insurance in the hopes that they will never have to file a claim, especially with earthquakes. Unfortunately, natural disasters must be expected and it is important to know what to do when one happens. 

Knowing when and how to file an earthquake insurance claim can help you receive compensation quicker by making the process faster and easier. 

Seek Medical Attention Immediately 

If applicable, everyone involved should seek medical attention immediately. Earthquakes can range from small tremors to huge shakes, but even the most mild tremors can cause injuries, especially if something falls from a high place. Before any other action is taken, make sure everyone receives the medical care they need. 

Call Your Insurance Agent As Soon As Possible 

After everyone has received medical attention, you should call your insurance provider as soon as possible. Calling immediately can help you file a claim quicker and prevent any doubt surrounding your claim. Taking too long to contact your insurance agent can actually cause an insurer to doubt the validity of the claim. 

Have the Damage Evaluated by an Expert 

Before filing a claim, you may want to have the damage evaluated by an expert. If the cost of repairs out of pocket are cheaper than the cost of your deductible, you may not want to file a claim with your insurance company. 

Keep in Contact 

If you do have to file a home insurance claim, be sure to remain in contact with your insurance agent throughout the process. Filing a claim will be easier and faster if you are readily available to answer questions and clear up any misunderstandings. It is crucial that you remain truthful and consistent in your recounting of the event, as well as the evaluation of damages. 

How Long Does an Earthquake Insurance Claim Take? 

The time it takes for an earthquake insurance claim to be approved varies depending on your insurer and the circumstances. Some states have mandates that dictate how long an insurer may take when it comes to approving a claim and paying out. Claims will only be paid out after being approved, which can take up to 30 days in some circumstances. If you have any questions about your earthquake insurance or a possibly denied claim, you should ask your insurance provider or seek professional assistance to ensure that you get the compensation you deserve.