You’ve been shaken, yet everyone is accounted for and safe. Cupboards may have emptied and pantry items are on the floor, but that’s easy to clean up. The hard part after inspections may be affording to repair your home, or even finding a place to stay!
Home Owners Insurance
Normally earthquake coverage is not included in the typical Alaskans’ homeowners insurance policy. It can be purchased, yet cost and the benefits of it are limiting, and with the infrequency of damaging quakes it has not been popular in the state.
If it is added on, it may double a policy’s annual cost. According to the Alaska Division of Insurance, only one in six or seven of Alaskan homeowners have such an addendum. Part of the reason for such a low amount of participants is the high annual cost of a homeowner’s out of pocket deducible. The deductible can be as much as one fifth of the home’s value, which with the median value of an Alaskan home being close to $300,000 the average the homeowner would be responsible for around $60,000 before the insurance coverage would kick in. If purchased, such coverage will usually pay for damage to personal items as well as the damaged effects of the quake on the dwelling.
If you have found minor damage to your home or landscaping yet need it fixed, you may consider asking for volunteer help from your neighborhood association if you have one. If there is damage from the road to the entrance of your driveway, going to your road service area commission and making a case before your commissioners on the need for more fill or grading work for the good of the public road may be useful. And don’t forget those civic groups which you may be a member of in asking for volunteer labor or supplies such as a church, rotary club or fraternity.
Current State Assistance
Submit claims as soon as possible to state and federal officials as there are other recovery grant types of assistance from the state for those living in Anchorage, the Matanuska-Susitna Borough and the Kenai Peninsula (see ready.alaska.gov). Alaskans must submit for individual assistance by January 29th, 2019 at 1-855-445-7131 (or TTY 1-855-445-7131). Prepare your address, description of damages there, insurance, personal ID information, photos and reciepts of the damage prior to clean up.
Ongoing Federal Aid
November 30, 2018 EM-3410 was declared a federal disaster, which sent 150 FEMA personnel to Alaska. When individual assistance or public assistance monies are approved for this disaster, it will be displayed at https://www.fema.gov/disaster/3410