If you have Safeco earthquake insurance coverage, your policy typically covers the cost to repair common earthquake damage, including damage to your roof and walls, and most of your belongings. Damage to fences, patios, yard landscaping, and broken glassware or art objects may not be covered. You may have a higher deductible for earthquake damage than you have on your primary property policy. Call your local Safeco agent to add earthquake coverage or to review your policy details.
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During an earthquake, buildings may become unstable, collapse or slide off their foundations. Aftershocks may cause additional damage to weakened buildings, power lines and bridges. It’s dangerous out there. If you’ve just been through an earthquake, please be careful. Take the appropriate precautions by following these tips:
Make Personal Safety Your First Priority
Check for Damage
Drive with Extreme Caution
When it’s safe to do so, call us as soon as you can.
Be ready to provide the following information:
Be prepared to provide as much detail as possible about damage caused by the earthquake. If possible, take photographs and videos of your damaged property and belongings. They can help expedite the claims process. Serial numbers, owner’s manuals and credit card statements can also be used to help document personal belongings that may have been damaged, lost or stolen.
We will do our best to contact you within 72 hours after you file your claim to discuss what happens next. If you experienced serious earthquake damage, we will make every effort to get to you as soon as possible.
Protect Your Home
It’s important to take some steps to protect yourself and your home from further damage after an earthquake.
Please wait until a claims adjustor assesses the earthquake damage to your home before starting permanent repairs. However, contractors can be difficult to schedule after an earthquake, so we encourage you to schedule permanent repairs as soon as possible. Find a local, licensed, bonded and insured contractor through our free Safeco Contractor Referral service.
While Your Home is Being Repaired or Rebuilt
If you are unable to live in your home while the damage is assessed and your home is being repaired or rebuilt, Safeco will help pay for additional living expenses, typically for up to 24 months. If repairs take longer than the period of time covered in your policy, you may be eligible for additional assistance from federal emergency programs.
To Upgrade or Not to Upgrade
Safeco will replace damaged items and materials with the same type and quality of materials you had before the earthquake. For example, if you had a fiberglass roof, we will pay to repair or replace the damaged area with fiberglass, but we won’t pay to replace it with more expensive slate tile. If you decide to upgrade your house with better or more expensive materials, you’re welcome to do so, but you’ll need to pay the additional expense out of your own pocket.
Any time you make improvements to your property, be sure to talk to your local Safeco agent to find out if your coverage is still enough, and if you’re eligible for any discounts.
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