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How to File a CEA Policy Claim

earthquake insurance policyholder speaking to insurance agent on the phoneIf an earthquake has damaged your house, take these steps to file a California Earthquake Authority (CEA) claim with your residential insurer:

  • Report your claim: Contact your residential insurer as soon as possible to start your claim. Remember that with some CEA policies, the first $1,500 in emergency repairs does not have a deductible. And Loss of Use for all policies never has a deductible.
  • Document damage: Be sure to take pictures of any earthquake damage to your house or its contents before you clean it up. The pictures will help support your claim.
  • Keep a record: Keep all names, dates, phone numbers and email addresses handy from all your insurance-related communications. Keep receipts for any earthquake-related expenses you wish to include in your CEA claim.

Although not required to submit a CEA claim, you may be eligible for assistance if the state or federal government issues a state-of-emergency or disaster declaration—check government agencies' websites for eligibility information and instructions.

Contact your residential insurer directly to start your claim.

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