Insurance is a Las Vegas bet. You bet you will need it, the insurance company bets you won’t,but at odds that are not favorable to you.

If you believe you will win the bet, and in this case it appears that you have half a chance, then I would buy the insurance.

But what about the existing damage? Do I just get the insurance and wait upon another to make them even worse?

You already acknowledged you can’t file for pre existing damage. No insurance company is going to pay retroactively, unless you pony up enough money to cover their loss. At that point, what is the point.

I know that, so that’s why I’m asking. If it makes a pre-existing problem worse will they pay for it then?

Don’t know. It depends on the how you negotiate the terms with the insurance company.
You should contact an agent, tell them what you want, and having done that, simply ask “how much?”
Get several “bids”.

I live in Los Angeles and I don’t have earthquake insurance. It might fuck me down the road, but I’ve lived through 2 of “the big one”, and have yet to experience any significant damage to the structure of whatever place I was living in at the time. I’m pretty sure the current house I live in has been retrofitted. But this is
California, we have regulations. I’d check the stability of your home before getting insurance.

Oh. I didn’t read the question all the way. Nothing you can do about existing damage. You might need an appraisal to determine the state of your house. Then you can choose to insure for future damage.

Insurance companies and lawyers have ruined America. Don’t give your money to THE Man. ;)

I just heard about the earthquake on the morning news. They said there’s increased fracking in the area and they’re looking into whether the earthquake is caused by fracking. This is why I am totally against fracking. Some few people made money from the natural gas companies by letting them frack on their property, and everyone else pays the price.

To quote many a politician, I’m no scientist—but from everything I’ve read and heard in the media and from the scientific community, fracking poses many serious risks and should be abolished or at least far more regulated. (Good luck with that!) Me, I’d carry all the insurance I could afford.

The thing is, I live in Kansas. It should not be prone to earthquakes. But in the last 2 years, apparently, it has become that way.

@Dutchess_III: I think it’s due to fracking.

Yes, I know that.