An insurance policy is a contract. If he's not covered on the policy for earthquakes, they will not cover earthquake damage. Always know what is covered in your policy and what isn't. Make sure you know before you sign up and pay, thinking they cover something they don't. This is why so many people get burned by it.
This applies to all forms of insurance. Health, life, homeowners, vehicle, etc.
Source: I am a formerly licensed 'producer' of insurance contracts.
What's the point of even having the crap then?
The point is for them to take your money. That's the whole point of 'insurance'.
An insurance policy is a contract. If he's not covered on the policy for earthquakes, they will not cover earthquake damage. Always know what is covered in your policy and what isn't. Make sure you know before you sign up and pay, thinking they cover something they don't. This is why so many people get burned by it.
This applies to all forms of insurance. Health, life, homeowners, vehicle, etc.
Source: I am a formerly licensed 'producer' of insurance contracts.
also flood.