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If you have read this blog in the past you know that I am a huge advocate for Earthquake Insurance.  Earthquakes cannot be predicted like hurricanes, floods or severe storms but they can be devastating.  Most homeowners insurance does not provide Earthquake Insurance unless it is purchased as an endorsement.  Many insurance companies do not even offer the coverage.  Here is an article that recently appeared in the Insurance Journal at

State officials are reminding homeowners to review their insurance policies to see if they have earthquake insurance ahead of a new law that will require better disclosure if policies exclude such coverage.

The State Corporation Commission’s Bureau of Insurance says damage from earthquakes is excluded under homeowners policies unless the coverage is purchased as an addition to the policy.

A law recently passed by the General Assembly requires companies that exclude coverage for earthquakes to provide a written notice that conspicuously states that it must be purchased separately. It will apply to policies renewed or issued after Jan. 1, 2013.

Virginia homeowners insurance policyholders who do not have earthquake insurance will receive the notice with their policy when it comes up for renewal in 2013.

So, if you have an insurance policy with a company that cannot provide you with Earthquake Insurance then you can expect to receive a letter in the mail this year.  You will probably be asked to sign a disclaimer that declares that you are aware that you do not have the coverage and that you cannot get it from your current company. 

If insuring your home for Earthquakes is important to you, and you cannot get it from your current company, please give us a call.  One of our agents will be happy to help you understand the coverage and it's costs.

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