Earthquakes can’t be predicted, but it is possible to prepare for these sudden and sometimes devastating events. Knowing your earthquake risk, taking measures to earthquake-proof your home, and creating an emergency plan will help protect your loved ones and your property when the next earthquake strikes.
Does your state shake?
California and Alaska are well known earthquake hotspots, but earthquakes can happen in all 50 states according to the U.S. Geological Survey. Arkansas, Hawaii, Idaho, Illinois, Kentucky, Missouri, Montana, Nevada, Oregon, South Carolina, Tennessee, Utah, Washington and Wyoming are also high earthquake hazard states. Oklahoma is also experiencing an increase in earth shaking activity. Visit fema.govto view earthquake hazard maps and assess your risk.
If you’re in an area with a high earthquake hazard, consider purchasing earthquake insurance. According to the Insurance Information Institute, homeowners and renters insurance does not cover earthquake damage. Earthquake coverage is available in the form of a separate policy or an endorsement from most private insurers and, in California, from the California Earthquake Authority (CEA).
Once you have the coverage you need, make sure to update your home inventory regularly. Having a recent inventory will make filing a claim easier if disaster strikes. Make sure to keep copies of your inventory online or in a safe place that you easily access.
Take steps to earthquake-proof your home:
Create an earthquake plan and emergency kits:
For more information, talk to a AAA Insurance agent or visit your local branch office.