Terremotos
La mayoría de las aseguradoras, incluyendo American Family, vende endosos de pólizas que proporcionan cobertura para el inmueble y daños a la propiedad personal causados por un terremoto. Una póliza básica de dueño de casa no paga por los daños causados por terremotos, por lo que debe tener el endoso si quiere cobertura.
Los detalles sobre endosos para terremotos de American Family están disponibles en el folleto On Solid Ground1. Además, ofrecemos un podcast (mp3) sobre endoso para terromotos, el cual trata algunas preguntas frecuentes.
La cobertura "integral" de una póliza de seguro para auto generalmente paga los daños causados por terremoto a un vehículo. Las siguientes son respuestas a preguntas frecuentes sobre cobertura de seguros y daños por terremoto.
Los titulares de pólizas de American Family Insurance que hayan sufrido daños por terremoto deben presentar sus reclamaciones a nuestro Centro de Atención al Cliente para Reclamaciones de 24 horas al 1-800-MYAMFAM (1-800-692-6326) or their American Family Insurance agent.
Earthquake - Homeowners
- Civil authorities have ordered me to evacuate my home. Does my policy pay for food and lodging during this time?
If you have an earthquake endorsement, you have coverage for additional living expenses for up to two weeks if you are denied access to your home by the civil authorities. This includes reasonable motel and food expenses. Keep copies of the receipts for your adjuster. If you don't have the earthquake endorsement, however, coverage is generally not available.
- Can I get an emergency advance payment?
Yes. If you have earthquake coverage and need emergency funds, we can provide you an advance payment. This advance payment is applied to your final claim settlement.
- If I don't have earthquake insurance, should I still report my claim?
Yes, you should still report your claim. While the earthquake may have caused some damage to your home, other damage may have been caused by a peril covered by your homeowners policy, such as fire. An adjuster inspects the damage and determine the cause - or causes - of your damage.
- Is there anything I can do to help with the claim process?
Use plywood, tarps or other materials to prevent additional damage to your home. Keep receipts of any materials/services purchased to make these repairs so you can submit them to your adjuster. Also, take photos of any damage to your home and personal belongings before disposing the items. Share copies of the photos with your adjuster. Remember, if the damage resulted from an earthquake, you must have earthquake insurance to receive payment for repairs.
- Who do I call to make repairs?
- You are free to select any contractor or repair shop you wish. It is usually best to select one who has operated in the area for several years, is insured and bonded and will give you a written guarantee for the work performed.
Earthquake - Auto
- Who do I call to make repairs?
You are free to select any contractor you wish. It is usually best to select one who has operated in the area for several years, is insured and bonded and will give you a written guarantee for the work performed.
Have a question that you couldn't find here? Contact your American Family Insurance agent with your additional questions.
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