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Christensen Insurance Group

765 E 9000 S Suite A2
Sandy, UT 84094

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Are You on a Fault Zone?

An earthquake occurs somewhere in the world every 6 minutes. If you live in the United States, a major earthquake with a value of 7 or greater (very destructive) occurs at least once per month. "Great earthquakes" occur somewhere in the world at least once per year (magnitude 8 or greater) (total destruction). 

The Reality of the Risk

In Sandy, UT you have at least a moderate risk of an earthquake doing damage to your home or property. Unless you live in California or perhaps on the border of Missouri and Tennessee, you might not be able to relate to the concerns of earthquakes occurring close to your location. But the truth is, you have a pretty fair chance of incurring damage from an earthquake at some point in your life simply from the statistics alone. 

In fact, the only states that do not have an earthquake risk rating are:

  • Upper Michigan
  • Upper parts of Minnesota
  • Upper regions of Wisconsin
  • Florida
  • Parts of Nebraska
  • North Dakota

These regions have a relatively low risk of earthquakes (though the risk is still there). All of the other parts of the United States have at least a moderate risk of an earthquake at any time. Think about that! That’s why Christensen Insurance Group is there to help you prepare for the unexpected.

Like the people that experienced the terrible flood in Colorado about a decade ago, people often don’t know the real risk until something happens. 

Are Earthquakes Predictable?

The only thing predictable about an earthquake is that many of them occur every day. In fact, hundreds occur every day all over the United States alone and if you live on the West Coast or anywhere in the West or the New Madrid fault zone around Missouri, Arkansas, or Tennessee, your chances are good that you will feel a tremor or earthquake on a fairly regular basis. 

An earthquake is a good example of a natural event that is unpredictable. Like many things in life, you can’t know when something will happen. So you have to prepare in case it happens when you least expect it.

Are you insured?

The time to purchase insurance is today before you feel the rumble of an earthquake that could bring damage and destruction to your property or belongings. 

Christensen Insurance Group of Sandy, UT can help you find the earthquake insurance you need to protect your assets. Because you never know what life will bring next. 

All You Need To Know About Earthquake Insurance

According to the statistics, every year, the United States experiences 200,000 earthquakes. While most of them are small, some earthquakes can produce devastating effects. However, the majority of Americans do not carry earthquake insurance to protect their houses – there is only 8% of Americans who have it. Here, in Utah, the number is about 14%. If you are thinking about getting this specific policy for your household,  here is useful information that will help you to understand earthquake insurance better. 

What Does Earthquake Insurance Cover?

Earthquake insurance will cover the costs that you sustain from losing your residence in case of an earthquake. There are three main components: your home itself (referred to as a dwelling), personal belongings, and additional living expenses. It will not cover fire that is caused by an earthquake (it will be covered by standard home insurance), damages to vehicles, fences, and pools. Damages to the land are also not covered. If there is any damage caused by a flood or hurricane as a result of the earthquake, earthquake insurance will not cover it – it is covered by flood insurance. 

How Does Filing A Claim Work?

After the earthquake occurred, a policyholder should contact the insurance company and notify them of the event and any visible damages. After filing a claim, an adjuster from the insurance company will arrive to perform an in-depth inspection. Their job is to evaluate the damages and estimate the costs of repairing or rebuilding the house. 

If you live in Salt Lake City or Sandy, UT, you do not have to worry about earthquakes too much. However, they still occur, and it usually happens when you least expect. Therefore, if you want to protect your home and have peace of mind, then earthquake insurance is what you need to get. Christensen Insurance Group serving Sandy, UT is ready to help you to find an insurance plan you need. Do not hesitate to call Christensen Insurance Group today to get more information about earthquake insurance options available.