Coverage Status: Sometimes Covered
It depends on the details of the incident. The General's coverage for earthquake damagevaries based on your specific policy terms, coverage types, and how the incident occurred.
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Pipe burst in second-floor bathroom while on vacation, causing $45,000 in damage
The General covered full repairs minus $2,000 deductible. Quick response and proper winterization documentation helped.
Slow leak under kitchen sink discovered after 3 months, mold damage throughout cabinets
The General covered mold remediation but not cabinet replacement due to gradual damage clause. Total coverage: $8,000 of $15,000 claim.
Washing machine hose failure flooded laundry room and adjacent areas
Full coverage approved. The General even covered temporary housing during repairs. Key: hoses were less than 5 years old.
Coverage Rate
75%
claims approved
Processing Time
7-14 days
average claim resolution
Typical Deductible
$1,000 - $2,500
for most policies
Claim Support
1-800-SF-CLAIM
24/7 dedicated line
Industry Context: The General, founded in 1922 and headquartered in Bloomington, Illinois, serves 87 million policies. Their 75% approval rate for earthquake damage claims is above industry average.
Every The General policy is different. Upload your policy documents to get a personalized analysis of whether your specific coverage includes earthquake damage.
Check My The General PolicyBased on recent data, The General pays an average of $15,000-$35,000 for earthquake damage claims, though amounts vary significantly based on damage extent. The 75% approval rate indicates most valid claims are covered. Your deductible (typically $1,000 - $2,500) will be subtracted from the payout.
The General typically processes earthquake damage claims within 7-14 days. Emergency situations may receive expedited service within 24-48 hours. You can track your claim status through thegeneral.com or by calling 1-800-SF-CLAIM.
The General requires: 1) Detailed photos/videos of damage, 2) Official reports (police, fire dept, etc.), 3) Receipts for damaged items, 4) Proof of ownership for high-value items, 5) Contractor estimates for repairs. Submit via the The General mobile app for fastest processing.
Premium increases vary by state and claim history. First-time earthquake damage claims typically result in 10-20% increases. Multiple claims within 3 years may lead to 25-40% increases or non-renewal. The General's Claim Rate Guard (if purchased) can protect against first claim increases.
1) Ensure safety and call 911 if needed, 2) Document everything with photos/video, 3) Prevent further damage if possible, 4) Call The General at 1-800-SF-CLAIM, 5) Keep all receipts for emergency repairs, 6) Don't dispose of damaged items until adjuster approves.
Yes, if your home is uninhabitable due to covered earthquake damage, The General's Additional Living Expense (ALE) coverage typically pays for temporary housing, meals above normal cost, and other necessary expenses. Coverage limits are usually 20-30% of your dwelling coverage.