Earth Movement and Flood coverage includes the following hazards, which are normally excluded from a traditional Property policy:
- earth sinking/rising/shifting
- sinkhole collapse
- mine subsidence
This coverage currently has limits of $120 million. The Earth Movement deductible is 5% of TIV/$100,000 Minimum; for Flood, the deductible is $100,000.
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Timely reporting plays a critical role in any claim. Furthermore, late-reported claims may be excluded from coverage. It is critical that you report the claim as soon as you discover the damage. Do not wait for police reports or damage repair estimates before reporting a claim. It is also important that you do not repair the property before the claims adjuster has had an opportunity to speak with your agency’s risk manager. If there is a possibility of further damage before permanent repairs can begin, perform temporary repairs, e.g. board up broken windows, protect property exposed to rain, or get professional help if extensive water damage occurred.
In the event of a loss or damage to covered property, provide the claims department with the following:
- Description of the property involved (including a description of how, when, and where the loss or damage occurred)
- If available, provide photos of the damage
- Notify the carrier if a law may have been broken
- Cooperate with the carrier in the investigation and settlement of the claim
All supplemental claim information and general claim correspondence must be sent to:
AJGRMS Claims Department
Phone: (415) 546-9300
Fax: (415) 536-4036