Claim Professional FAQs
We’ve gathered some frequently asked questions from claim professionals to help adjust CEA claims.
Q. What training is required to handle a CEA earthquake claim?
A. Claim adjusters responsible for earthquake claims in California, including CEA earthquake claims, must be properly certified and accredited before handling any residential earthquake insurance claim in the state.
To handle a CEA earthquake claim, you must complete these CEA and California Department of Insurance (CDI) training requirements before beginning the adjustment of the claim:
- California Fair Claims Settlement Practices Regulations (FCSPR) – every year
- CEA Policy Coverage Training – every 3 years
- CEA Residential Earthquake Damage Assessment (REDA) General Guidelines Training – encouraged every 3 years
- Insurance Adjuster Training for Evaluating Earthquake Damage – every 3 years
As mandated by CDI regulations (Title 10 Chapter 5 California Code of Regulations Section 2695.42), the content of this training must include the following topics:
- California Fair Claims Settlement Practices Regulations (FCSPR)
- Determination of Scope of Loss*
- Loss Estimation Techniques
- Determination of Necessity for Engineer or Expert*
- CDI Earthquake Mediation Program
- Assessment of Damage to Concrete Surfaces and Foundations*
- Subsequently Discovered Earthquake Damage*
- Programs Designed to Assist Earthquake Victims
*These topics are covered in the CEA Residential Earthquake Damage Assessment (REDA) General Guidelines Training and in the CEA Claim Manual.
Sign up for CEA Policy and Residential Earthquake Damage Assessment (REDA) online, self-directed training.
Q. Where can I register for CEA earthquake training for claim adjusters?
Q. I completed one of CEA’s claim adjuster trainings and forgot to download my Certificate of Completion. How can I get a copy?
A. There are a couple of options:
If you still have the confirmation email you received when you registered:
- Click the link to access the course, which will take you to your dashboard. (Please note that the link expires 30 days after the registration date.)
- The certificate is available under the "Achievements" tab.
or
Contact the CEA Info Desk and ask CEA to send it to you:
- Notify CEA by submitting a Contact Us email request.
- Input the name and email address used to enroll in the training.
- In the "Comments" section, explain your request.
- Be sure to include the date or date range of the training.
Using this information, CEA's Info Desk will then email a copy of the certificate to you.
Q. Can a homeowner buy an earthquake insurance policy directly from CEA without going through a residential insurer?
A. No, CEA does not sell stand-alone earthquake insurance policies. CEA’s policies must be purchased through one of CEA’s
participating insurers authorized to sell CEA earthquake insurance, and only to those policyholders who have a companion Homeowners, Mobilehome Owners, Condo Unit Owners, Renters, or other residential property (fire) insurance policy issued by the same participating insurer.
Q. Where can I find samples of the different policy types CEA offers?