Holidays will be different throughout the year, but for many in Puerto Rico it will also be a reminder of the beginning of a series of earthquakes that shook Puerto Rico from December 28, 2019 to mid-February 2020. There are still many people who have not been able to return to their homes or workplaces due to the structural damage caused by these earthquakes. And many inspections and repairs were halted due to COVID-19 pandemic barriers.
Insured persons can still claim their carriers for damages caused by these earthquakes. First, it is important to confirm that you have a copy of your policy and check what coverage and exceptions apply to earthquake damage. Once you are aware of this information, collect all evidence relating to the damages, including but not limited to, pictures of the damages, estimates, repairs or mitigating invoices and receipts. It is important to identify and distinguish any damage caused by the earthquakes from existing damage caused by other events such as hurricanes.
Then, regardless of your deductible, register an earthquake claim with your insurance company and provide additional information information required, as well as access to their adjuster to make a proper inspection of the damage. Be patient and understand that you will need professional help to determine any damage, including concealed damage that may have affected the foundation and property structure.