Earthquake and Flood Insurance for Murrieta
If you live in an area susceptible to earthquakes, make sure to talk to your agent to determine whether you are covered, or if you should purchase separate earthquake coverage.
Your SGB Independent Agent will talk you through your options and discuss home improvements that can make it eligible for an earthquake endorsement or policy, but itâ€™s important to note that California residents must purchase a separate earthquake policy.
- Deductibles and the amount of coverage for earthquake damage vary by state.
- Your policy may not cover the entire cost of rebuilding.
- Exterior buildings, decks and landscaping are generally not covered.
To reduce damage inside, think “heads up.” Look at your ceiling and walls to see what might fall.
- Anchor bookcases and filing cabinets to walls.
- Secure ceiling lights, suspended ceilings and other hanging items to the building structure.
- Anchor water heaters and large appliances to walls using safety cables or straps, and lock the rollers of all appliances and furniture.
- Fit all gas appliances with flexible connections and breakaway gas shut-off devices or install a main gas shut-off device.
- Consider working with a registered design professional or licensed building contractor to reduce potential damage to the structure of your home or business.
- Add anchor bolts or steel plates between your homeâ€™s structure and foundation
- Brace the inside of your homeâ€™s cripple wall with sheathing.
- Brace un-reinforced chimneys, masonry, concrete walls and foundations.
- See additional resource links in the sidebar to the right >>>>>
Protect Yourself When The Ground Starts To Shake
- If youâ€™re indoors, stay there.
- Move away from windows, skylights, doors and things that could fall.
- Duck, cover and hold until the shaking stops.
- Move quickly into the open, away from electrical lines, trees and buildings.
- Drop to the ground and wait for the shaking to stop.
- Slowly bring your vehicle to a stop at the side of the road.
- Donâ€™t stop on or under bridges, under power lines or near roadway signs.
- After the shaking has stopped, continue driving but watch out for damage to the road.
Other Emergency Resources
Floods and flash floods could occur anytime, anywhere and not everyone knows their standard homeowners policies donâ€™t cover water damage caused by flooding. SGB works with companies that sell flood insurance as part of the National Flood Insurance Program, sponsored by the federal government.
Unlike a standard homeowners policy, flood insurance covers losses to your property caused by flooding. Some of the things a standard flood policy will cover include:*
- structural damage
- furnace, water heater, and air conditioner
- flood debris clean up
- floor surfaces, such as carpeting and tile
Flood insurance can also cover* the contents of your home, such as furniture, collectibles, clothing, jewelry, and artwork.
Policies are available in three forms: Dwelling (most homes), General Property (apartments and businesses), and Residential Condominium Building Association (condominiums).
*See policy for restrictions. In the event of a conflict between this information and the policy, the policy prevails
. . . Check our what our clients say about us . . .
See the example below or read all testimonials HERE
SGB Insurance has been my insurance provider for years covering everything from our multiple auto policies to our general liability and workers compensation policies, we have always been completely satisfied with there professional service and great rates, both on a personal and business level. __ Mike Leggett Blackmountain Landscape Development
— Mike Leggett, So-Cal Mar 25, 2012