How to Manage Your Bill

The residential insurer that sold you your CEA policy handles all billing and payment options for your CEA policy.

This includes deciding what payment methods and schedules (including pay by credit card or monthly installments) are available to pay CEA policy premiums.

Questions about your policy coverages? You can also contact the residential insurer that sold you your CEA policy to find out how to review your earthquake policy details, or to make changes to your policy.

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How to File a Claim

If an earthquake has damaged your house, take these steps to file a California Earthquake Authority (CEA) claim with your residential insurer:

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Contact your residential insurer as soon as possible to start your claim. You can also check your CEA policy, or ask your residential insurer how coverage works for emergency repairs and Loss of Use– coverage that pays additional living expenses if you have to live elsewhere because of earthquake damage.

1. Report Your Claim

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Be sure to take pictures of any earthquake damage to your house or its contents before you clean it up. The pictures will help support your claim.

2. Document Damage

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Keep all names, dates, phone numbers, and email addresses handy from all your insurance-related communications. Keep receipts for any earthquake-related expenses you wish to include in your CEA claim.

3. Keep a Record

Contact your residential insurer directly to start your claim.

Policy Management FAQs

CEA participating residential insurance companies process all claims on our behalf. Please contact them directly if you have an earthquake damage claim.

Make your CEA policy payment to the residential insurance company that sold you your CEA policy—not CEA. CEA participating insurers handle all billing for CEA policyholders.

The residential insurance company that sold you your CEA policy decides what payment methods and schedules (including pay by credit card or monthly installments) are available to pay CEA policy premiums. Please contact them to see what options they offer.

Contact your residential insurance company or agent to renew your CEA earthquake insurance policy or get a copy of your renewal (also known as a declarations page).

Contact your participating residential insurance company or agent (the company or agent you use for your homeowners, mobilehome, renters, or condo owners insurance), and ask them how to access your CEA policy and bill online.

Because CEA policies are serviced by our participating insurance companies, they are responsible for online access to your policy information and bill.

Contact the participating insurance company or agent that you use for your CEA homeowners, mobilehome, condo, or renters insurance. Your CEA participating residential insurance company handles all changes to CEA policies, including renewals, coverage and deductible changes, and billing options.