Earthquake retrofit documentation and insurance

Bolting, bracing, cripple-wall work, and verified retrofit records can affect earthquake insurance eligibility, deductible options, and underwriting confidence.

Why retrofit status matters

Why retrofit status matters

Older raised-foundation homes can have different deductible eligibility and pricing depending on whether retrofit work has been completed and verified.

What to gather

What to gather

Before applying, gather permits, contractor invoices, engineer reports, Earthquake Brace + Bolt records, photos, and any foundation or chimney repair records.

How the application uses it

How the application uses it

The Covwell application asks about bolting, cripple walls, retrofit completion, verification, year, contractor, and notes so the submission is useful for market review.