Earthquake Insurance vs. Retrofitting: What’s the Smarter Investment?

Homeowners in Lake Stevens know that seismic activity is always a possibility. When it comes to protecting your property, you may wonder whether earthquake insurance or retrofitting is the better investment. While insurance provides financial coverage after an earthquake, retrofitting strengthens your home to reduce damage in the first place. If you’re looking for an earthquake retrofitting specialist in Lake Stevens, our team is here to help.

The Costs and Limitations of Earthquake Insurance

Earthquake insurance is an additional policy separate from standard homeowners’ insurance. While it covers repairs and rebuilding costs after an earthquake, it comes with high deductibles and strict limitations. Many policies only cover structural damage, leaving out valuable assets inside the home. Additionally, filing a claim can be a lengthy process, delaying much-needed repairs.

How Retrofitting Protects Your Home

Seismic retrofitting strengthens your home’s foundation and structure to withstand earthquakes. By securing the foundation, reinforcing weak points, and using specialized hardware, retrofitting significantly reduces the risk of collapse or major damage. Unlike insurance, which only provides financial compensation after a disaster, retrofitting is a proactive solution that protects your home and family from the start.

Long-Term Savings and Benefits

Retrofitting is a one-time investment that can save homeowners thousands in repair costs after an earthquake. Unlike insurance premiums that must be paid annually, the cost of retrofitting is upfront and provides lasting protection. Additionally, homes with seismic upgrades may qualify for lower insurance premiums and increased property value. Investing in an earthquake retrofitting specialist in Lake Stevens can offer peace of mind and real financial benefits.

Why Choose Evergreen Seismic for Retrofitting

Our team specializes in professional seismic retrofitting for homes in Lake Stevens. We assess your home’s vulnerabilities and implement tailored solutions to strengthen its structure. With years of experience and proven techniques, we ensure your home is better equipped to handle seismic activity.

If you’re considering ways to protect your home, retrofitting offers long-term security that insurance simply can’t match. Call us at Evergreen Seismic at (206) 984-2580 if you need an earthquake retrofitting specialist for your Lake Stevens home.

We would definitely hire this company again. They had good communication; were prompt; respectful of our property; and completed the work in less time than expected. In general, they did a great job.

K Curtis

Evergreen Seismic came up in a Google search when I was questioning whether my earthquake insurance was really necessary, so I called and owner Matt came out for a free inspection. It turned out that our house did have some risk factors and Matt explained what he recommended and how they would do the job. After some research, I decided to proceed. They just finished after less than a week and Matt and his crew were thoroughly professional and friendly. I especially appreciated Matt's willingness to take extra time explaining things and he even offered some free advice on a couple of unrelated areas where some foundation repair was needed. A residential seismic retrofit isn't cheap and like any insurance, you hope you won't need it. I'm happy with the quality of the work performed and the price. I would recommend Matt and Evergreen Seismic to anyone thinking about making their home more earthquake tolerant.

R2H

We worked with Evergreen Seismic in the Summer of 2023 to retrofit our Seattle home. From the very first meeting, we knew that Matt was the right person to trust this project to. He is very knowledgeable and competent, and our communication was always transparent and smooth. Evergreen Seismic coordinated the process of getting the proper permit from the city (which took some time since we were using the standard set of plans) and provided us with all the documentation. When the time came for the retrofit itself, it was performed quickly and efficiently, in just one day for our one-story, 3-br. home. The city inspector was happy with the job as well! We confidently recommend Evergreen Seismic and Matt to anyone planning a seismic retrofit work in the Seattle area.

Kristina

Evergreen Seismic was amazing to work with. Matt was quick to respond to our initial query, and took the time to walk us through the process and answer questions when he came out to look at the house. His bid was very clear and thorough. He's also a great communicator and made the whole process extremely smooth once we decided to go forward. We really appreciated that nothing felt rushed or unexpected. The crew here doing the work was considerate, patient with any questions we had, and kept us updated every day about what was going on. They did a really great job retrofitting our basement and crawl space and took care of some necessary repairs as well. We were lucky enough to have Evergreen recommended to us, so passing on the recommendation now! We would hire them again with zero reservations.

Amelia Apfel

Evergreen Seismic and Matt were such blessings to us during our seismic retrofit on a Bellevue home we just bought! Matt and his crew, Phil and Nick, were all equally tremendous and beyond helpful to us and my inlaws! We were hell bent on seismically retrofitting by removing drywall interiorally vs sidings exteriorally. And Matt was accommodating to our request. As a hedge though, we knew we wanted a contractor who knows how to retrofit by both methods should a need arises during the retrofit peocess! And Matt fits the bill with his extensive knowledge and years working in earthquake retrofitting. They say never open up drywall if you don't want to find out what deep dark secrets lie underneath. And boy, did we unearthed a structurally problematic framing job on most all the studs holding up an exterior wall of the house, which threw my husband and I in a loop thinking of the scope creep. But Matt stuck with us, helped to sister in all new 2x4s on the compromised studs, and best yet didnt charge us an arm and a leg to fix the framing issue because he truly cares about doing the best job at the most economical rate. The framing job along with the seismic retrofit all easily passed various round of inspections. What started as out as contractor/client relationship became friendship based on what transpired with our house framing issue. We can only hope to find contractors as knowledgeable and honest as Matt and crew!

Cindy Hedrick

I would hire Matt again in a heartbeat. Not only do he and his crew perform good work (in my case, seismic retrofit) at a fair price, he combines his core competencies with great people skills and clear, timely, winsome communication. I am especially grateful to Matt because he was ever so patient with me when I suffered long COVID a few weeks after signing the contract, prompting me to delay the project a few months while I recovered. Matt turned what I expected to be a stressful experience into a very good experience. I encourage anyone considering a seismic retrofit to invite Matt to visit you and give you an estimate. I expect that you, too, will be highly satisfied with the result.

Darrell Dorr

Matt did a fantastic job on the earthquake retrofit for our home. Our garage had never been so clean as it was after he was done with his work. Matt had the utmost professionalism through every step of the project. The contract clearly explained everything he was going to do, and he completed every step exactly as described. He thoroughly answered each of my questions during his initial visit in a way where he not only answered the question I asked, but gave background information to educate me on the topic of seismic retrofit. It's great to have the peace of mind that not only is my home now better able to withstand the "big one" that will eventually come to the PNW, but also that the work was done by a great company.

Matthew Offerman

Matt is knowledgeable and competent, and he communicates clearly before and during the job. He made sure that we knew what our options were, and that we understood them. Matt is a friendly, likable person and obviously cares about doing a professional job. He wants his customers to be happy. It was soon clear that we could count on Matt and his team to show up on time and also to clean the site each day before they left. They worked all day each day until the project was finished. I would certainly recommend Evergreen Seismic to anyone who wishes to retrofit their home. I have confidence now that my 1901 home is in much better shape to withstand a significant earthquake without coming off the foundation.

Catherine Wesley

Matt came out to see if our house needs a retrofit and I was absolutely blown away by his honesty, knowledge and professionalism. He advised against retrofitting our house due to the newer age of the home but did provide me with a tonne of useful information that I did not come across during my research and while speaking with other retrofit companies.

Ana Lenskiy

I was extremely pleased with the seismic retrofitting job Matt and his team completed for me. The entire experience was seamless. Matt was extremely informative during the bidding process and everything was completed on time and to a high standard. The work site was cleaned everyday and work plans and schedules were clearly communicated. It's obvious that Matt and his team really care about performing quality work. To echo another review, if I could hire them for all my home renovations, I would.

Sarah Weil