Earthquakes are a real and constant threat across California. With nearly 8,000 quakes of magnitude 1.5 or higher recorded last year alone, and up to 10,000 minor quakes annually in Southern California, structural damage to homes is a frequent and costly issue for residents. From foundation cracks to water damage caused by broken sprinkler systems or fires sparked by ruptured gas lines, the aftermath can be overwhelming.
For many homeowners, filing an earthquake insurance claim should offer relief. Unfortunately, the process is often frustrating and confusing. Valid claims can be postponed, underpaid, or refused by insurance providers. At Alliance Public Adjusters, we work directly with homeowners to eliminate that stress. Our job is to ensure you receive the maximum compensation you're entitled to, accurately, promptly, and without unnecessary hurdles.
In this blog, we'll cover some of the most common mistakes homeowners make when filing earthquake damage claims and how you can avoid them. Whether you're navigating California Earthquake Insurance for the first time or reviewing your options after recent damage, understanding these key points will help you protect your home and your financial investment.
Table of Contents
- Why Earthquake Claims Are Tricky in California
- Mistake #1: Not Understanding Your Policy
- Mistake #2: Waiting Too Long to File
- Mistake #3: Incomplete or Poor Documentation
- How Alliance Public Adjusters Can Help
- Frequently Asked Questions
- Ready to File Your Claim the Right Way?
Why Earthquake Damage Claims Matter More Than You Think
Let's be real. You pay for California Earthquake Insurance to protect your property. But when the ground shakes and your house gets damaged, the insurance process can feel like a maze.
Insurers may refuse, devalue, or hold off on your rightful claim. And let's face it, most of us aren't experts in filing insurance claims.
That's why knowing what to avoid can save you stress, time, and money. Avoid trouble by knowing these frequent mistakes and how to prevent them.
Mistake #1: Not Understanding Your Policy
One of the most Common Errors in Earthquake Claims is simply not reading your policy closely.
Here's where most people slip up:
- They assume their regular homeowner's policy covers earthquakes (it usually doesn't).
- They don't know their deductible amount. Earthquake deductibles can be 10–25% of the home's value.
- They're not sure which damages are covered, like foundation cracks or chimney collapses.
Before the next quake hits, review your policy. If it feels confusing, no worries, we're here to help you break it down.
Mistake #2: Waiting Too Long to File
Time matters. Always. One of the biggest Earthquake Insurance Claim Mistakes we see? People wait too long.
Here's what happens:
- Homeowners think the damage is minor and delay repairs or reports.
- Small cracks or shifts grow worse over time.
- By the time they file a claim, it's too late, or their provider says the damage isn't quake-related.
Always report the damage ASAP. Early steps can protect your claim from delays or denial.
Mistake #3: Incomplete or Poor Documentation
When it comes to Earthquake Damage Insurance Claims in Burbank, photos and records are everything.
Many claims run into problems because:
- Homeowners only provide vague descriptions.
- There are no “before and after” pictures.
- There's no proof of repair costs.
Detailed documentation strengthens your case. Take clear photos of every crack, leak, or broken item. Save all repair receipts. Keep a journal of what happened after the quake. We can even guide you on exactly what to collect and how to present it.
How We Help You Navigate the Claim Maze
At Alliance Public Adjusters, we don't work for insurance companies, we work for YOU.
We negotiate aggressively to get you the best possible payout. Here's what we bring to the table:
- Decades of experience handling California Earthquake Insurance
- Personalized inspections and damage reports.
- We handle tough talks with your insurer, saving you the stress.
We've seen every excuse from insurance companies, and we know how to push back.
FAQs About Earthquake Insurance Claims
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Is earthquake coverage included in my homeowner's insurance?
No. You need to purchase earthquake coverage separately
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Can I still file a claim if I waited a few weeks?
Yes, but don’t wait any longer. Dial now, and we’ll handle the details with you.
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What if my damage looks minor?
Even small cracks can be signs of bigger issues. It’s better to get a professional opinion.
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Will filing an earthquake claim raise my premiums?
Possibly, but that shouldn’t stop you from getting the money you deserve.
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How do public adjusters get paid?
You pay us nothing unless we win your settlement.
Don't Let a Mistake Cost You Thousands, Let's Talk Today!
Let's face it, filing earthquake insurance claims isn't something you do every day. Mistakes can be easy to make and expensive to fix. That's why having a trusted team like Alliance Public Adjusters on your side makes a huge difference.
We're not just experts, we're neighbors who care. If your home was hit by an earthquake, or you're just preparing for the next one, let us help you do it right.
📞 Schedule your complimentary claim review today.
Your home deserves protection. Your claim deserves attention. And you deserve peace of mind!