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California Earthquake Authority

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Description

CEA offers earthquake insurance premium discounts for older houses that have been retrofitted to better withstand earthquakes.

Phone: 877-797-4300

Frequently Asked Questions

Am I eligible for a retrofit discount?

If your single-family house:

If your mobilehome:

  • Has been reinforced by an earthquake-resistant bracing system certified by the California Department of Housing and Community Development (HCD).
What is the best method to retrofit my house?

How your house is built and its foundation type determine what type of retrofit your house needs. Houses with a raised concrete perimeter foundation that lack sill plate anchors and/or cripple wall bracing may follow existing state building code (CEBC, Appendix Chapter A3) or standard plan sets, which also provide step-by-step directions. 

The following types of houses may require an engineer to design a retrofit:

  • Soft-story row houses
  • Houses on hillsides
  • Houses with living space over the garage
  • Post and pier foundation houses
Why should I retrofit my house?

California has two-thirds of our nation's earthquake risk. Structures that lack adequate sill plate bolting and cripple-wall bracing are more susceptible to earthquake damage.

The frames of older houses are often not bolted to their foundations, and their cripple walls may lack bracing. Houses without adequate bolting and bracing can slide or topple off their foundation during an earthquake, requiring potentially very expensive repairs. But this serious damage can be prevented with a proper seismic retrofit.

Will a seismic retrofit ‘earthquake-proof’ my house?

There is no such thing as an “earthquake-proof structure.” But there are straightforward measures that will likely reduce the potential for (or severity of) earthquake damage. The California Existing Building Code (CEBC) states that its retrofit provisions are "minimum standards intended to improve the seismic performance of residential buildings; however, they will not necessarily prevent earthquake damage."


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