Sep 30, 2012

Does Your Dallas Home have Earthquake Insurance?

Chances are that you don't have earthquake insurance if you live in the Dallas Ft. Worth area. Earthquakes are so rare that it hasn't been a concern. Until last night when we experienced two earthquakes - one in Irving and one in West Dallas. My friends in Las Colinas tell me it felt like someone had crashed a car in to their home.

Standard Texas home insurance policies typically cover concerns like fire, wind storms, lightning and hurricanes. Those are mainly the types of catastrophes we see in Texas. However, most homeowners must purchase a separate insurance rider for coverage of floods, earthquakes and other issues.

Damage from earthquakes can range from cosmetic problems like cracked tiles and wood floors pulling apart to structural issues like foundation movement or plumbing leaks. The strong shaking a house gets during an earthquake is not something most Texas builders and homeowners plan for. [where: 75230]

9 comments:

arrielle_p said...

My cousin is living in Dallas and I don't know if their home has an earthquake insurance. :)

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Hotel Mkudro In Tbilisi said...
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Martina Vlanska said...

I think it's about time that every catastrophe should be included when a home owner would pay for home insurance. Even if you don't expect it to happen you should be ready.

Cindy Wolpourt said...

Earthquake insurance would definitely be a smart idea for residents of California and Texas. I'm a professional window tinter in Irving TX, and I can tell you firsthand that it is the farthest thing from the minds of the homeowners I work with... however, it really shouldn't be taken all that lightly.

David Masterson said...

Great column. Are Dallas-area residents concerned about earthquakes? I'm a Maine roofing contractor and since we've had two minor earthquakes over the past 12 months here it seems that significantly more homeowners are concerned with earthquake-proofing part of their homes. Very interesting.

Bradley Marshand said...

I do roofing in Beverly MA and recently we have received numerous requests for earthquake-proofing from homeowners. The East Coast is prone to quakes too, and we have felt the Maine earthquakes over the past year or so.

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Calvin Brock said...

the Imperial army had to offer. I'll bet there were independent contractors working on that thing: plumbers, aluminum siders laverne plumbing

Matt Marinella said...

Many people ignore there homes and wait till something horrible happens to do work on it. I own a window tinting store in Doctor Phillips Fl (http://www.sunshinetinting.com/window-tinting-doctor-phillips-fl)and most customers do not call unless they have already had there house broken into