San Francisco Catastrophe: Earthquakes

posted in Serious Injuries, by dcmmoguls, on September 21, 2018

California is notorious for having detrimental earthquakes. For this very reason, more people living here are in need of assistance from their injury lawyers in case of a commonplace catastrophe.

Filing a Claim

After any catastrophic event you should be taking the first steps toward filing an insurance claim. Although insurance companies are required to open any claim they receive from you, there are rare cases where your insurance company will not open a claim.

In such a case, you have the option to and should immediately contact the California Department of Insurance. There is approximately a one-year time window to report your claim. Insurance companies may possibly deny your claim if taken any longer to report.

Inspection

Once your claim has been filed after a catastrophic event like an earthquake, the process of making the assessment of all the damages to your property and belongings should now be made. The first step to this is to be assigned a claims adjuster trained to assess the damage in your specific case.

If one has not been assigned to you, then you should insist on being appointed one to move forward. A time, preferably as soon as possible, should then be agreed upon for an actual inspection to be made. It is your responsibility to inform the inspector assigned to you of all of the damages to your property. Keep in mind to point out and review lesser visible areas such as hard to reach crawlspaces and shifted foundations.

These claim adjusters are trained to find any possible damages to many different kinds of properties. But even in a case where something has been overlooked, a follow up inspection can be made for them to return.

Pay Up

Residing in the state of California, it is important to decide whether to buy insurance or not in case of a catastrophic event.

If you’re wondering what you should do if you are not able to afford the insurance, there a few precautionary steps you’re able to take. These include:

  • Applying bolts/latches to tall and/or heavy furniture such as cabinets, china cabinets, bookcases.
  • Taping or tying down expensive electronics like televisions and computers.
  • Not waiting until after the earthquake to act. All methods are clearly ineffective if waiting until after the fact.