Insurance Claims for Earthquake Damage

If your organization or community suffers an earthquake that affects any of its facilities, the full damage can be devastating. Your recovery can depend on how you assess and report the damage. Our team of experts helps you obtain the maximum claim recovery so you can get back on your feet sooner.
No matter how large or small, an earthquake’s immediate damage can include hidden structural dangers to your property that may go unnoticed.

After an earthquake, as you face the challenges of securing everyone’s safety and protecting the rest of your property, you will now also have to secure the necessary funding for your recovery. This can be a daunting, complicated process as you sort through the damage. Once contacted, your insurance company will send its own team to adjust your claim in a manner that protects their financial exposure. Who’s protecting you? Inadequate reimbursement can become another devastating blow. You can avoid it by having us at your side.

Our public adjusters have expertly managed claims from the biggest earthquakes in the last quarter-century. We are called upon by communities, non-profits, and government organizations for our unique ability to mobilize a top team of professionals who have the unmatched experience and comprehensive understanding of the laws, regulations, and policies involving disaster recovery. This enables us to consistently coordinate and obtain the maximum reimbursement for our clients so that they may recover.

What To Focus On After Earthquake Damage

Make sure you fully understand the meaning of each of the following before you move forward. Feel free to reach out to us for a no-cost discussion about your claim.
  • Why should the county, city, town, or district optimize its claim?
  • Do we have a commitment to taxpayers to recover the most possible?
  • What if the insurance company engages a building consultant?
  • What is my agent/broker’s role?
  • Will my code upgrade coverage address all my code related issues? ADA, fire codes, etc.?
  • Is there coinsurance in my policy?
  • Do we need to issue an RFP in order to engage your services?
  • Who in our county, city, town, or district will be involved in making the decision to hire us?
  • Is your claim a result of an event that may be funded by FEMA? If so, it is your obligation to first maximize your insurance settlement to satisfy FEMA’s eligibility requirements.
  • Why can’t we do it ourselves?
  • What emergency facilities are necessary to continue operations?
  • Can temporary facilities still be used at the end of the claim and be considered permanent? If so, how?
  • How do existing plans for renovations or enhancements affect my claim?
  • What building codes and regulations must be considered in the reconstruction?
  • How do bond cycles affect the full replacement cost holdback provisions of a policy?

Property Damage Losses Government & Non-Profits Claims Recovery Process

Property Damage
Time Element
Life & Safety Issues
Mitigation of Damages
Establish A Preliminary Recovery Plan
Evaluation of Coverages
Valuation Of Damages, Claim Preparation, and Documentation
Negotiations & Settlement
Restoration Of Property & Operations

How Our Team Helps You

  • Evaluate Fully reviewing your insurance coverage.
  • Strategy Developing a claim management strategy.
  • Compliance Determining policy compliance issues.
  • Valuations Completing detailed valuations of building, equipment and inventory losses.
  • Interruption Formulating business interruption models.
  • Itemization Presenting and supporting an itemized claim package to your insurer.
  • Negotiation Negotiating on your behalf with your insurance company.
  • Communication Keeping you informed every step of the way.
  • Settlement Ultimately settling the claim for the maximum amount and with less hassle for you.

Government & Non-Profits We Have Helped

Months after the storm passed, the County was still faced with tremendous burdens related to the insurance coverage issues and FEMA and MEMA eligibility issues. Jackson County hired Adjusters International to provide professional services for disaster assistance, remediation, restoration and recovery efforts. ...Their expertise with governmental regulations, the complex FEMA process and insurance adjustments resulted in our successful claim for over $2 million in additional FEMA Public Assistance funding specifically; in our successful negotiations with our insurance carrier; and in numerous other increases in the values FEMA and MEMA initially designated for County projects. Jackson County will always be mindful of the help we received from Adjusters International when we needed it most.
Alan K. Sudduth
County Administrator - Board of Supervisors, Jackson County, Mississippi
Testimonial
Your advice in the preparation of our property claim and business interruption claim and in the negotiations with the insurance company's accountants and adjusters were most beneficial to us in obtaining a very satisfactory indemnifications for our damages.
Angel R. Marichal
Vice President - Finance - Suiza Dairy, Rio Piedras, P.R.
Testimonial

For decades, L’Auberge Chez François has been one of the leading restaurants in the metro Washington, D.C., area. Known for its exceptional French cuisine and impressive service, the restaurant is a longtime favorite of Washingtonians celebrating anniversaries, birthdays or other special occasions.

A magnitude 6.8 earthquake, called Nisqually in seismic circles, rocked Seattle, Washington, in 2001 and severely damaged the Starbucks corporate headquarters building.

  • 108 Owners Corporation Manhasset Condo - New York, NY
  • 1618 14th Street, NW, LLC - Washington, DC
  • 1745 Wazee - Denver, CO
  • 17th Street Revocable Trust - Washington, DC
  • 1860 Larimer St. - Denver, CO
  • 18749C N. Frederick Corporation - Gaithersburg, MD
  • 1st Missionary Baptist Church - Inkster, MI
  • 2108 Bolton Street - Baltimore, MD
  • 218 East Main Street Partnership - Westminster, MD
  • 245 Granby, LLC - Norfolk, VA

Related Resources

  • Video
    02.01.2017

    Who Needs Earthquake Insurance?

    Steve Severaid, Principal at The Greenspan Co./Adjusters International answers the question, "Who needs earthquake insurance the most?"
  • Podcast
    08.08.2016

    Difference in Conditions Coverage

    A roundtable discussion concerning Difference in Conditions coverage for businesses who require more protection than supplied by standard property insurance
  • Publication
    Issue # 3041

    Earthquake Insurance

    As this issue of Adjusting Today was being prepared, the earthquake and resulting tsunami of March 2011 struck Japan. That concurrence put an exclamation point on what already was the theme of this edition ...
  • Publication
    Issue # 4011

    Rebuilding Under the FEMA Public Assistance Program

    Once again we are pleased to welcome a new author to the Disaster Recovery Today editorial board. For this, our 12th edition, Robert Wright examines how the FEMA Public Assistance Program affects the decision to repair, replace or relocate a damaged facility.

Contact Us

If you're suffering from a government & non-profit property claim, we can help!
Call us at 800.382.2468 or fill out the form below:
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