The quake's epicenter was centered near
The quake damaged buildings in
"We had adjusters out, and they started contacting customers that same day on Saturday," he said. "Some things people need to know is that earthquake damage is not covered under a regular homeowner's policy."
Depending on the earthquake insurance policy, typically it covers homes repairs needed, replacement of personal property directly damaged by the earthquake, debris removal and living expenses while the home is being repaired or rebuilt, according to OID.
However, most policies do not cover replacement of brick, rock or stone covering the outside of the edifice, damaged to the lot, vehicle damage or external water damage, according to OID. The coverage depends on the policy.
Camoriano said brick doesn't hold up as well as a wood frame in an earthquake.
"Ahead of an earthquake, people should visit with their insurance agent to find out what may and may not be covered," Camoriano said. "Have those conversations early and check out your insurance company."
OID reiterated earthquake insurance is for catastrophic loss, not minor repairs. Typically earthquake deductibles are a percentage of the individual's insured home value. Camoriano said percentage deductibles vary from company to company.
"You need to look at the amount of damage and ask yourself if you're able to absorb the deductible or the damage," Camoriano said.
Camoriano said homeowners can take measures to save money and increase safety for when another earthquake shakes the state.
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He said homeowners and renters should store fuel items on the floor, reducing the risk it falls and starts and fire. People may strap down the water heater, or any heater, to wall studs to reduce fire risk and ensure water and gas lines are flexible, he said.
"What we see is if there's an earthquake and it shakes and rattles that -- it can cause a fire," Camoriano said. "The fire would be covered under a regular homeowners policy but other damage would not be covered."
Lastly he said a household should have an emergency plan in place for when an earthquake strikes.
During an earthquake, people should drop to the ground, cover the head and neck area with their arms and seek shelter under a sturdy table or desk. If there is not table or desk nearby, you should move to an inside corner of the room in a crawling position to protect vital organs.
With Saturday's quake happening at
A doorframe is not the safest place, as commonly thought, because it does not provide protection from falling or flying objects, according to The Great ShakeOut.
Oklahoma Insurance Commissioner
"My department wants to make sure the people hit the hardest can recover quickly. We can answer their insurance questions and walk them through the claims process," he said in a written statement.
Those looking to buy earthquake insurance may have to wait anywhere from 72 hours to 60 days after any earthquake.
Camoriano said State Farm does have a moratorium in place but he could not discuss details surrounding the moratorium.
After Saturday's 5.8 magnitude earthquake,
Representatives from OID will be available to answer earthquake questions at
Questions about earthquake coverage may be directed to OID's Consumer Assistance team, (800) 522-0071, or visit www.oid.ok.gov for more information.
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