Washington Earthquake Insurance Coverage

An earthquake is one of the most devastating events that can happen. Your homeowners/renter’s policy will not work in the event of an earthquake. To protect yourself and your property against this, an earthquake insurance policy is specially made for this kind of disaster.

REQUEST QUOTE

Earthquake Insurance Benefits & Coverage

Dwelling Coverage
In California, only 10% of people purchase insurance against these risks. In Washington, the number has risen to 11.3%, and in New Madrid, it has dropped to 12.7%. Dwelling coverage helps cover the home up to its included amount.

Personal Property Coverage
The furniture. computer and TV are most likely included when buying a policy. However, you can get more coverage when you buy additional breakable coverage.

Additional Living Expenses
Is the term for the expenses you incur while relocating to another location. While some homeowner's policies cover earthquake damage, many don't. Earthquake insurance can help cover the costs of temporary living expenses, such as food and hotel stays.

Cost To Remove Debris
The most likely types of homes to be damaged by an earthquake are wood-frame homes, multi-story buildings, and brick homes. Earthquake insurance can cover the cost to remove the debris damage to your property due to the earthquake.

Why Buy An Earthquake Insurance

Important questions most of our clients asked are: “Do I need an earthquake insurance policy?” To answer this is yes! Even though your house is located where earthquakes are rare, you should acquire at least the standard policy. According to a study, all 50 states in the USA are likely to experience these ground-shaking events. Most people think that the policy is expensive, however, buying coverage can cost $800 per year, this will work with $500,000 worth of coverage.

It's crucial to have this coverage because of the high possibility of earthquakes damaging your home. Most policies allow you to set a deductible of 5%, 10%, 15%, or 25% of your dwelling coverage limit. That way, you'd pay a deductible of $45,000 if your home were destroyed by an earthquake, and your insurer would pay the rest.

Earthquake insurance covers damage caused by earthquakes, volcanoes, and other seismic events. It also specifies a period for a single event. The payout will pay for repairs and replacements to your home, other structures, and personal belongings. It also covers earthquake-related land stabilization and loss-of-use coverage. This policy is beneficial for earthquake-prone areas and those with a lot of buildings made of brick, stone, or clay.

While earthquake insurance is useful for reducing losses from earthquakes, it can be very costly, especially if your home is located in a low-risk area. In such areas, some policies will not cover the full cost of repair or rebuilding, make sure to check the state and local laws before deciding to buy a policy. This can save you thousands of dollars in the long run.

What's Cover & Not?

Protect Your Investment Against Earthquake

The standard homeowner policies don't cover earthquakes. But you can add earthquake insurance as an endorsement to your policy. The coverage includes the pay—for repairs to your dwelling and any other structures attached to it. If an earthquake causes damage to your personal property, it will cover the cost to remove debris. Additionally, it may even pay for extra living expenses.

The type of insurance you purchase depends on the state where you live. For example, Californian homeowners insurance is required by law to include earthquake coverage because of the high risk of seismic earthquakes. Some states do not require to have them, however, they can help you protect against quakes. Also, earthquakes can be caused by modern disposal methods. So, earthquake insurance may be worth considering even if you live in a state with a low risk of seismic activity.

Part 1: Dwelling Coverage: Sometimes referred to as Coverage A which covers home up to included amount, but not excluded with the following:

Your homeowners’ policy limit will be the same as your earthquake insurance.
The deductibles may range between 5%, 10%, 15,%, 20%, and 25%.
Most earthquake policies excluded landscaping, pools, fences, masonry, or separate buildings.
Renting or owning a condo, does not need to buy a policy.

Part 2: Personal Property Coverage. Also known as Coverage C which covers the things inside your home, like furniture, TVs, and computers.

A $5,000 standard limit which you can increase up to $200,000.
The deductibles may range between 5%, 10%, 15,%, 20%, and 25%.
More coverage can protect you if you purchase additional breakable coverage.

Part 3: Additional Living Expenses/Loss of Use. A Coverage D provides temporary and extra costs to live somewhere else like hotels, while your house is inhabitable or being repaired.

Typically covers temporary rentals of homes, apartments, and hotel rooms, as well as restaurant meals, temporary telephone lines, furniture rental, and laundry.
The deductibles may range between 5%, 10%, 15,%, 20%, and 25%.
More coverage can protect you if you purchase additional breakable coverage.
The limit can range from $1,500 up to $100,000.

Emergency repairs coverage pays for the cost of replacing damaged items. It typically covers 5% of your dwelling and/or personal property limit. The premium will be determined depending on your deductible. Earthquake insurance deductibles will vary, but most are between ten to fifteen percent of the total rebuild value of your home. For homeowners who are concerned about their deductible, they can purchase earthquake insurance that will cover these costs.

Whether you need it or not, it is best to understand how a single event can wiped-out all of our dreams. Prevention is always better than cure, protect yourself and your assets by buying an earthquake insurance policy, which can be beneficial shortly. Or especially if you are in a high-risk quake area.

Flood Insurance Experts

What Happens If My House Is Destroyed In An Earthquake Without Policy

If you are planning to buy a flood insurance policy, you should assess if your house land in a flood-prone area. Many communities can qualify for a policy through FEMA. However, if you live in an area where flood maps change frequently, you may not be able to find one without getting a quote. Vice versa, if you live in a high-risk area, you can purchase a separate policy from a private company.

A typical flood insurance policy will pay for the replacement costs of your home after a flooding event. It does not cover losses that happen before the flood. Moreover, you cannot increase the amount of coverage once the flood starts. In some areas, flood insurance is necessary, but there are also some exceptions. Generally, a flood insurance policy costs about $260 annually for a $100,000-per-inclusion limit. While this is a good start, you must ask if you need a policy.

Some areas are required to have an insurance policy by the federal government. In many cases, the insurance coverage is less than what you need, but the amount is still significant. And a flood insurance policy will provide you with peace of mind.

Washington State, Earthquake & Flood Insurance Trusted Provider

Do you have any questions/concerns?

We work with multiple carriers for your convenience.

Get A Quote

News & Blogs

Storm Damage to Your Roof? What to Do Before the Problem Gets Worse

Boise Roof Repair

November 10, 2026•5 min read

After a storm passes, most homeowners are relieved when the weather finally settles down. But that relief can quickly disappear when you notice something unusual around your property.

Maybe there are shingles scattered across the yard. Perhaps a section of the roof looks uneven, or you notice water stains that were not there before the storm.

You may not know whether the damage is serious, but you do know that something has changed.

Storm-related roofing problems deserve attention, particularly when the protective materials covering your home may have been affected. Even when the damage is not immediately obvious, an inspection can help determine whether repairs or temporary protection are necessary.

For homeowners in Boise, contacting a local roofing professional can help establish what happened and what to do next.

After a Storm, Your Roof May Need a Professional Inspection

Storms can affect roofing systems in different ways. Strong winds may loosen materials, hail may affect roofing surfaces, and falling branches can damage specific sections of a roof.

Some problems are easy to notice. Others may remain hidden until a closer inspection is performed.

For example, you might see one missing shingle while other materials nearby have also become loose. You may also notice an interior water stain even though there is no obvious damage along the roofline.

This is why a ground-level inspection cannot always establish the complete condition of your roofing system.

After a storm, walk around your property only when conditions are safe. Look for visible debris, missing roofing materials, and changes along the roofline.

Do not climb onto the roof to investigate. Damaged materials, wet surfaces, and hidden structural concerns can make roof access dangerous.

If something appears unusual, contact a qualified roofing professional for an evaluation.

Signs That Could Point to Storm-Related Roof Damage

There are several visible signs that may indicate your roof needs professional attention.

These can include:

Missing, cracked, or displaced shingles.
Loose flashing or visible debris impact.
Water stains or moisture appearing inside the home.

You may also notice roofing materials scattered around the yard, damaged gutters, or debris resting on the roof.

These observations do not establish a definitive cause. Similar symptoms may be associated with different roofing conditions.

For example, a water stain could be related to recent weather exposure, an existing vulnerability, or an issue around a roof opening.

A roofing professional can inspect the property and determine whether the visible concerns are consistent with storm damage or another roofing problem.

Three Possible Ways Storms Can Affect a Roofing System

Different weather conditions can affect different roofing components.

Strong winds: Powerful gusts may lift or displace shingles, loosen flashing, or affect other exposed materials. The extent of the damage can depend on the roof's age, construction, and condition.

Hail: Hail may affect shingles, metal roofing, and other exposed surfaces. The visible appearance of a roof may not always reveal the full extent of any impact.

Falling branches or debris: Tree limbs and other debris may strike the roof during storms. Depending on the size and location of the impact, different roofing components may be affected.

Heavy rain, snow, and ice may also contribute to roofing concerns under certain conditions.

These are possible effects, not guaranteed outcomes. A professional evaluation is important before deciding what repairs may be required.

Emergency Protection and Repair Options

If a roofing inspection identifies storm-related damage, several possible solutions may be considered.

1. Emergency roof tarping

Temporary protective tarping may be appropriate when an area is exposed and needs protection while permanent repairs are being arranged.

2. Repairing damaged roofing materials

If the problem is localized, affected shingles, flashing, or other components may be repaired or replaced.

3. A longer-term repair or replacement plan

If the inspection identifies more extensive concerns, a broader roofing project may be recommended.

The right approach depends on the materials involved, the extent of the damage, and the overall condition of the roof.

A professional should explain which concerns require immediate attention and which repairs can be scheduled.

It is also helpful to document visible damage for your records. If you intend to discuss an insurance claim, photographs and professional inspection findings may be useful. However, do not delay necessary safety measures while arranging documentation.

Don't Wait to Address Possible Storm Damage

After a storm, homeowners often have several things competing for their attention. However, roofing concerns should not be overlooked simply because the weather has cleared.

A damaged or exposed roofing area may remain vulnerable to additional weather conditions. Getting a professional evaluation can help you understand whether temporary protection or permanent repairs are appropriate.

BoiseRoofers.net lists emergency roofing, storm damage repair, roof tarping, and roof repair among its services.

Its listed service areas include Boise and surrounding Treasure Valley communities such as Meridian, Eagle, Nampa, Kuna, Star, Caldwell, Garden City, Middleton, and Mountain Home.

If your property may have been affected by wind, hail, or falling debris, contact the roofing team to discuss your situation and ask about inspection availability.

Explain what happened during the storm and describe any damage you can safely observe. This can help the roofing professional understand your concerns.

Do not wait for the next storm to discover whether your roof needs attention. Contact BoiseRoofers.net through its verified website contact number to discuss emergency roofing assistance and available repair options.

Taking action now can help you replace uncertainty with a clearer understanding of your property's condition.

Disclaimer: This article provides general information only and should not be construed as professional roofing, construction, or safety advice. Always consult with a qualified roofing professional regarding roof damage, leaks, or other property concerns.

boise roof repairboise emergency roofing