Earthquakes may strike any location without warning. Even in areas without high quake risks like Virginia, the threat still exists. What many people do not realize, however, is that earthquakes often don’t come and go. They may trigger other hazards that lead to extensive property damage.
Terrain destabilization caused by quakes may cause phenomena that pose property risks. Among these risks are chances for landslides and floods. However, the way your property insurance may cover landslides and floods often varies.
Insurance Coverage for Landslides and Floods
When landslides and floods result from earthquakes, their impacts can be devastating. These movements of land or water might sweep through residential areas with little warning. They might bury homes, destroy the structures and cause possession losses. Often the standard home insurance policy will not cover landslide or flood risks.
However, if a quake triggers the occurrence, a homeowner’s earthquake policy might cover the damages. Nevertheless, do not assume that earthquake insurance will cover every landslide or flood. Homeowners may have to prove that the quake itself caused the event to get coverage. If the quake did not cause the landslide, quake insurance will likely not cover the damage.
If you feel you need insurance for floods or landslides, talk to your insurance agent. They can help you determine appropriate avenues, like riders or extra policies that may help you cover these risks.
Safety Processes When Landslides Threaten
When a quake strikes, it may increase the risks of landslides or floods. Residents of quake-prone areas should consider safety techniques that can reduce the risk of landslide damages.
- Examine the landscape and topographical qualities of your local area. This can help you get a good idea of how high a threat faces your property. Many properties may face landslide or flood risks because of their proximity to flood zones, bodies of water or certain terrains.
- Consider using reinforced home construction. Many homeowners incorporate building techniques that can protect the home during and after quakes. Such practices may also protect the home if a landslide threatens. For example, homeowners might incorporate raised designs in their homes. This may allow flows to pass under the home.
- Also consider how landscaping techniques may reduce risks. This may include damming practices and structural reinforcement. With the right landscape reinforcement, such as a retaining wall, you may cut the risk of land shifts.
Consider how insurance may help you in the event of a landslide following an earthquake. You may need to add insurance riders to a homeowner’s policy. Or, you might invest in strong earthquake coverage. One of our agents can help you get the appropriate policy.
Don’t get caught without earthquake insurance. Call Salzberg Insurance Agency at 877-757-6081 for a fast, free earthquake policy quote.