The Lees Thought They Were Fully Insured... The Policy Deductible Proved Otherwise.
Most Earthquake Insurance policyholders never realize how specific policy language can affect their policies — until they learn how it can affect a claim. My Policy Advocate™ helps you understand your coverage before you need it.
The Lees’ Percentage Deductible*
The Lees purchased a "full" earthquake policy. After a 6.6 temblor caused $97,000 in damage, they faced a stark choice: sell or live with unsafe repairs. Their deductible was 15% of their $1.1 million Coverage A, meaning the insurer could not pay until their expenses topped $165,000.
Potential Denial (The Policy Deductible):
Earthquake policies often use large percentage deductibles (e.g., 10% or 15% of the Coverage A limit), making most small-to-moderate claims completely out-of-pocket.
Risk Identified by My Policy Advocate:
Percentage deductibles in CEA/US quake policies.
Policy Language:
“We will pay that part of the loss… which exceeds the deductible amount. The deductible is 15% of the limit of liability shown for Coverage A—Dwelling, regardless of loss size.”
Discovery by Clara, our Ai Assistant:
Clara flags any percentage-based deductible on a property policy, calculating the actual dollar amount the user must pay before coverage begins.
Questions to Ask Your Agent:
- Is there a buy-down option for my deductible?
- Are there US carriers with flat-dollar or lower-percentage deductibles?
* This scenario described is fictious and is solely for illustrative or educational purposes so the insured has the opportunity to discuss these issues with their licensed insurance producer.
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For Educational Purposes Only: My Policy Advocate is an educational platform, not a licensed insurance agent, broker, or financial advisor. We do not sell insurance or provide legal, financial, or tax advice. Our goal is to help you understand your existing policies.
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