Water heater bracing earthquake insurance
California's Health and Safety Code requires water heaters to be strapped to resist seismic movement. An unbraced water heater can tip, rupture the gas line, and cause fire after an earthquake — making this one of the highest-consequence small mitigation items. Carriers treat it as a baseline detail; noting it correctly in the application signals a well-prepared submission.
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:
- Water heater strapped/braced: yes, no, or unknown
- Type: natural gas, electric, or tankless
- Age and location: garage, interior, or closet
- Any updates made as part of a broader retrofit program
- Combined with other mitigation documentation for strongest submission
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.