Earthquake Insurance Claims Attorneys in Chandler, Arizona

Living in Arizona means that earthquakes are a real possibility. In a state where hundreds of earthquakes occur each year, this devastating natural disaster is a matter of when, not if. To help mitigate risks and protect financial security in the event of earthquakes, many insurance providers offer earthquake insurance policies.  

For owners of residential and commercial property, the consequences of an earthquake can be devastating. Without insurance coverage in place, those affected by earthquakes may have a hard time paying for property repairs and replacement of personal belongings on their own.

But is filing an earthquake insurance claim a solution for everyone? It could be. But this brings another issue here—and that’s getting your home insurance claim approved and paid in full.  

Unfortunately, insurance companies across Arizona are infamous for underpaying, delaying, or even outright denying claims resulting from earthquakes and other natural disasters. At Arnett & Arnett, PC, we have over three decades of experience representing people and businesses who have suffered losses due to earthquakes. Our earthquake insurance claims attorneys in Chandler, Arizona, know how to get results and ensure you are properly compensated.  

What Is Earthquake Insurance?

Earthquake insurance is a type of property insurance designed to cover damage to your home or business caused by an earthquake. While standard property insurance policies typically exclude earthquake damage, a separate earthquake insurance policy can provide the protection you need.  

Types of Earthquake Damage Covered in Insurance Policies

While earthquake insurance reimburses you for damage caused by earthquakes, not every type of damage is covered. This insurance will typically cover the following:  

• Structural damage: Includes damage to a building's foundation, walls, and roof. 

• Non-structural damage: Covers damage to fixtures, wiring, and plumbing. 

• Personal property damage: Provides compensation for items like furniture, electronics, and appliances. 

• Living expenses: Coverage for additional living expenses incurred while your home is uninhabitable. 

• Business interruption: For businesses, this includes lost income during the period a business is unable to operate. 

The exact coverage will vary by policy, which is why you might want to have your attorney review your policy and explain what’s covered and what’s not before filing a claim for compensation.

Earthquake Insurance Policy Exclusions

While earthquake insurance provides comprehensive protection, there are exclusions to be aware of. The include:

• Sinkhole damage: Sinkholes are typically not covered unless specifically mentioned in the policy. 

• Flooding: Flooding resulting from earthquakes is often excluded, requiring separate flood insurance. 

• Landscaping and exterior damages: Damage to trees, lawns, and gardens is usually not covered. 

• Fire following earthquake: Fires caused by earthquakes may be covered under a standard homeowner's policy instead. 

• Intentional damage or negligence: Any damage resulting from deliberate acts or negligence is not covered. 

When filing an earthquake insurance claim, your insurance provider may say that your particular loss is excluded from your policy. But that doesn’t necessarily mean the insurer is right.

Insurance companies are profit-driven businesses that routinely devalue and deny claims, which is why you might want to check with an experienced earthquake insurance attorney before accepting the denial of your claim.  

Reasons for Disputes When Filing an Earthquake Insurance Claim

Just because you have earthquake insurance doesn’t necessarily mean you will get all the coverage you need when an earthquake strikes. Filing a claim for compensation can result in disputes over:  

• Discrepancies in assessment of damages: You and your insurance company may have a different opinion regarding the value of your claim.  

• Ambiguity in policy coverage: Unclear terms that lead to misinterpretations and disputes.  

• Delayed claims process: Prolonged timelines can cause financial strain. 

• Denial of claim: Insurers may deny claims based on technicalities. 

• Underinsurance: Insufficient coverage to meet the actual cost of repairs. 

Insurance companies are obligated to act in good faith and deal fairly with policyholders. This includes prompt processing of claims, transparent communication, and thorough investigation of damages. 

Why Choose Arnett & Arnett, PC?

Choosing Arnett & Arnett, PC means choosing a firm with: 

• Over 30 years handling insurance disputes: We bring more than three decades of experience to each case. 

• Individualized solutions: Every client receives a personalized approach tailored to their specific needs. 

• Results-driven advocacy: We focus on achieving the best possible outcomes for each client.  

• Trial tested: We are prepared to take your case to court if necessary and have extensive trial experience to prevail in the courtroom.  

• Contingency fees: You only pay if we win your case. 

• Free consultations: Discuss your case with us at no cost so we can help your better understand your options. 

If you're facing challenges with your earthquake insurance claim, reach out to us at Arnett & Arnett, PC. We're here to fight for you every step of the way.