Earthquake insurance for raised foundations
Raised foundations create the classic earthquake vulnerability: the house sits atop short cripple walls that can collapse or slide off the concrete foundation. This is well-understood by underwriters and priced accordingly — but documented retrofit can substantially reduce both the premium and the deductible restriction. The application captures all retrofit details.
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:
- Foundation type: raised on continuous perimeter, partial raised, or mixed
- Cripple wall height and approximate perimeter length
- Bolting: anchor bolts installed? Year and permit documentation?
- Cripple wall bracing: plywood sheathing? Year, contractor, EBB certificate?
- Any prior sliding, foundation movement, or settlement claims
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.