Welcome to City-Data.com Forum!
U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > U.S. Forums > California > Los Angeles
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
 
Old 09-30-2017, 04:12 PM
 
1 posts, read 432 times
Reputation: 10

Advertisements

Hi All,

I'm a newbie to this whole real estate house owning thing, so please do excuse my shallow know-how and inexperienced.

I have a few questions regarding earthquake insurance and partially permitted/conversion of the backyard covered patio/room addition built several years back. Fortunately, the covered patio is partially permitted, but the previous owner subsequently converted it into a liveable space (room addition) without tidying up businesses with the city in L.A.

How would this affect purchasing of EARTHQUAKE INSURANCE and if God forbid, a sizeable earthquake causes serious damages to the house and the backyard room addition? Would only the main structure of the house be covered (not the room addition)? Or the earthquake policy be null? And hazard/fire insurance? How do the two policies reconciled and applied in case of a sizeable earthquake that does structural damages?

Please help. Your expertise is greatly welcome and appreciated.

Joy
Reply With Quote Quick reply to this message

 
Old 10-01-2017, 05:39 PM
 
18,172 posts, read 16,412,710 times
Reputation: 9328
Quote:
Originally Posted by bluehouse1981 View Post
Hi All,

I'm a newbie to this whole real estate house owning thing, so please do excuse my shallow know-how and inexperienced.

I have a few questions regarding earthquake insurance and partially permitted/conversion of the backyard covered patio/room addition built several years back. Fortunately, the covered patio is partially permitted, but the previous owner subsequently converted it into a liveable space (room addition) without tidying up businesses with the city in L.A.

How would this affect purchasing of EARTHQUAKE INSURANCE and if God forbid, a sizeable earthquake causes serious damages to the house and the backyard room addition? Would only the main structure of the house be covered (not the room addition)? Or the earthquake policy be null? And hazard/fire insurance? How do the two policies reconciled and applied in case of a sizeable earthquake that does structural damages?

Please help. Your expertise is greatly welcome and appreciated.

Joy
If not permitted it would likely not be covered nor any damage it caused. Ask an insurance agent you are not dealing with right now. Mind you I never had earthquake insurance in CA and even with all the earthquakes I went through, including a bad one in 1971 (SFV), I never had any damage.
Reply With Quote Quick reply to this message
Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:


Settings
X
Data:
Loading data...
Based on 2000-2020 data
Loading data...

123
Hide US histogram


Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > U.S. Forums > California > Los Angeles
Similar Threads

All times are GMT -6.

© 2005-2024, Advameg, Inc. · Please obey Forum Rules · Terms of Use and Privacy Policy · Bug Bounty

City-Data.com - Contact Us - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37 - Top