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Yes, you can find out if your house is retrofitted by checking for clear signs of secure foundation anchoring. Your home is retrofitted if foundation plates are fastened to structural wood with visible bolts and connectors. Additionally, a qualified home inspector or checking with your local building department can confirm that seismic updates have been completed, ensuring your property meets necessary safety standards.

Your house's ability to withstand an earthquake depends on its structural design and seismic upgrades. Strong construction methods and proper retrofitting help your home resist higher magnitude forces. Factors like your home's age, quality of materials, and secure foundation connections contribute to its overall resilience. A professional structural evaluation is essential to confirm the level of protection built into your home.

You can't completely earthquake-proof your home, but you can significantly improve its resilience against seismic events. Reinforcing your structure by upgrading your foundation, securely bolting the house, and fastening heavy items in place can dramatically reduce potential damage. Professional seismic retrofitting and regular maintenance by certified experts enhance safety and protect your property during an earthquake.

Homeowners’ insurance does not always cover earthquake damage. Standard policies protect against disasters such as fires and hurricanes but can exclude damage caused by earthquakes and flooding. In regions with seismic activity, purchasing dedicated earthquake insurance at an average annual cost of $800 to $1,300 is essential to cover structural repairs and unforeseen expenses. Consult your insurance provider to fully understand your coverage options and ensure adequate protection.

No, earthquake insurance does not cover all damage incurred during a seismic event. It is designed to cover certain repair costs—such as structural damage from ground shifting—but excludes damage from secondary effects like flooding or long-term degradation. Review your policy carefully and consult with your insurance agent to confirm the full scope of coverage, and explore additional relief programs if necessary.