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Earthquake Insurance for Homeowners Associations aka DIC Insurance (Difference in Conditions Insurance)


Without earthquake insurance, associations that sustain major damage may not recover. If Reserve Funds are not sufficient to pay for repairs and if the ability to assess unit owners is limited, you may have to walk away from your HOA or let the bank foreclose.


One good alternative is for your HOA to purchase earthquake insurance.  Earthquake Insurance for Homeowner Associations pays to repair damage to your buildings and other HOA property caused by earthquake.


Contact us for an evaluation and a discussion. Various considerations will be: insurable building value, optional deductibles, detached buildings such as clubhouse, garages or carports, swimming pools, paved surfaces, underground utilities, payment for loss of association dues and coverage that will work for your budget.