Earthquake building code upgrade coverage
California Title 24 and local amendments require that repairs to earthquake-damaged structures meet current code — not the standards when the home was built. For a 1960s home, this can mean seismic straps, updated electrical, code-compliant framing, and other upgrades that add significantly to the cost of otherwise straightforward repairs. BCU coverage fills that gap.
What the Best Earthquake wizard captures
The application documents all the details underwriters look for. Gathering the following before applying produces a stronger submission and faster broker review:
- BCU sublimit: typically $10,000–$100,000 added to the dwelling limit
- No additional deductible on most policy forms
- Most valuable for older homes where code-compliance gap is largest
- Confirm BCU is on the policy before binding — it's not included on all forms
- Review carrier's BCU definition: some forms are broader than others
From indication to bindable options
The Best Earthquake Insurance application gives a preliminary annual range anchored to CDI data, then submits a completed Covwell application to Bollinsure for broker review. A licensed California broker reviews your construction, retrofit, and loss details and shops multiple carrier markets to find the best available terms.
The indication is not a bindable quote — final coverage is subject to underwriting, carrier eligibility, and policy terms. But starting with a strong, complete application gives the broker the best possible foundation for market submission.
Ready to submit?
The 5-step application wizard takes approximately 5–8 minutes to complete. It walks through property and applicant details, coverage terms and deductible selection, construction and foundation type, retrofit and loss history, and a review-and-sign step where you can preview the completed PDF before submitting.
Your completed application is reviewed by a licensed broker who follows up — often the same business day — with market options and next steps.