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Ground Shaking

In 1989, the magnitude 6.9 Loma Prieta earthquake struck Northern California, destroying 774 houses and damaging 23,408 more. About 70% of Loma Prieta losses were caused by strong ground shaking. 

An earthquake generates seismic waves that pass through the ground. As those waves pass near or underneath your house, it can move from side to side and up and down. The shaking your house experiences depends on how far it is from the fault and the soil under and around it. 

Seismic waves travel faster through hard rock than through softer rock and sediments like soil and sand. But as the waves pass from harder to softer rocks, they slow and their strength increases, so shaking is more intense where the ground is softer. However, even houses on hard rock, if they are close to the surface rupture, can also experience intense shaking and damage.

What You Can Do 

Learn where the active faults are in your area. Then learn about your house’s structural risks and the steps you can take to seismically strengthen your house. 

Protecting a house against ground-shaking is generally the least costly retrofit. If your house was built before 1979 and has a raised concrete perimeter foundation and cripple walls, it may sustain less earthquake shake damage if the foundation is bolted and the cripple wall is braced. 

But retrofitting does not guarantee your house will come through an earthquake undamaged. If you aren’t already covered, consider buying CEA a earthquake insurance policy from a participating residential insurer

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