Earth Movement and Flood coverage includes the following hazards, which are normally excluded from a traditional Property policy:
- earthquake
- landslide
- earth sinking/rising/shifting
- sinkhole collapse
- mine subsidence
For the 2022-23 program year, this coverage has limits of $100 million. The Earth Movement deductible is 5% of TIV/$100,000 Minimum. The Flood deductible is $100,000.
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Reporting Claims
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.
Claim Correspondence
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:
Choice of Loss Adjuster:
| 1) VeriClaim Inc. Attn: Chris Tinney, General Adjuster PO Box 4286 El Dorado Hills, CA 95762 Phone: (916) 933-5760 Fax: (916) 933-9544 Ctinney@vericlaiminc.com www.VeriClaimInc.com |
2) Mclarens Young International Attn: Michael R. Allen 180 Montgomery Street, Suite 2100 San Francisco, CA 94104 Phone: (415) 228-6405 Fax: (415) 392-0213 Cell: (415) 959-6279 www.mclarens.com |
with a copy sent to:
AJGRMS Claims Department
claims-sf@ajg.com
Phone: (415) 546-9300
Fax: (415) 536-4036