What Can I Do About The Earthquake And Flood Exclusions?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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Many insurance companies in areas prone to earthquakes offer earthquake coverage. In 1996, the California Legislature passed and the governor signed legislation creating the California Earthquake Authority — a state-managed authority that offers a very restricted earthquake policy. While this coverage is often expensive, it is important for a homeowner in an earthquake prone area to explore the availability and cost of this important coverage.

Flood insurance is available nationwide through many insurance companies. Private insurers write flood insurance under a special agreement with the federal government through the National Flood Insurance Program (NFIP). This coverage is extremely important to those who are in areas subject to flooding, since resulting damage is commonly excluded from coverage under all forms of standard homeowner’s insurance policies.

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