Earthquakes can cause widespread destruction in seconds—cracking foundations, buckling floors, collapsing walls, and rupturing pipes or electrical systems. But even as the structural damage unfolds in plain sight, the insurance process is often anything but clear. Standard homeowners policies do not cover earthquake-related damage unless you’ve purchased a separate policy or added a specific earthquake endorsement. And even with coverage in place, navigating the claim means facing high deductibles, complex exclusions, and demanding proof requirements.
Unlike many disasters, earthquake damage often continues to reveal itself long after the initial event. Structural shifts may worsen with time, hairline cracks may expand, and hidden issues—like compromised framing or pipe ruptures inside walls—can surface weeks later. Without thorough documentation, expert inspections, and precise tracking of your policy’s terms, these claims are often underpaid or denied entirely.
At Loti, we bring structure and expertise to a process that’s often shaky and uncertain. We act fast to assess both visible and hidden losses, working closely with engineers, contractors, and adjusters to ensure your damage is thoroughly documented and properly classified. Our goal is to help you recover the full scope of what the quake affected—not just what’s immediately visible.
OUR APPROACH
Earthquakes—When the Ground Shifts, Your Claim Needs a Solid Foundation
Take detailed photos of all visible damage—cracks in foundations, walls, ceilings, floors, and driveways
Secure written assessments from structural engineers, home inspectors, or licensed contractors who can verify earthquake-related damage
Request your full policy, including any earthquake endorsements, coverage limits, exclusions, and deductible calculations
Document personal property, building systems, or interior finishes damaged during the quake
Begin stabilization or emergency repairs to prevent further loss—especially in areas prone to aftershocks
Key Steps We Help You Take After An Earthquake:
We also help you calculate how your deductible is applied—often based on a percentage of your dwelling limit, which can mean tens of thousands of dollars in out-of-pocket costs. Our team ensures your losses are clearly itemized and well-supported so you receive the maximum allowable payout under your policy.
At Loti, we understand that earthquake recovery is as much about timing and documentation as it is about structure. From hairline cracks to major collapses, we help you take swift, smart action—backed by experts, driven by evidence, and designed to bring stability back to your home and your claim.
FREE RALLYBACKS
Earthquakes can cause catastrophic damage to homes and Personal Property, leading to significant financial loss for homeowners. Despite the potential for severe damage, earthquake peril is generally not included in standard homeowners insurance policies. Instead, coverage for earthquake-related damage typically requires the purchase of additional endorsements or entirely separate policies. Understanding what earthquake coverage includes and why it is generally excluded from standard policies is crucial for homeowners, particularly those living in areas prone to seismic activity.
This detailed guide will explain the earthquake peril, what it covers, why it’s often excluded from standard policies, and provide specific examples to help homeowners understand when and how this coverage might apply.
Understanding the Earthquake Peril in Homeowners Insurance: What You Need to Know
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