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Even if you do not carry an "earthquake" policy, or believe your damage may not exceed your deductible, you should notify your agent/broker and carrier in writing that you have sustained a loss and are filing a claim.
Our purpose is to collect data on insurance claims and recovery progress at various intervals; identify coverage issues, individual and common problems and solutions, assess the pace of recovery and the claims handling performance of the various insurers in the region.
Tips for communicating with your insurance company
Testimonials about calculating dwelling claims from people who have lost their homes in California wildfires in the last ten years.
Insurance policies are legal contracts, so legal rules come into play when you file a claim after a loss.
A tool to compare prices and features of earthquake insurance