you. >> well to the epic center are you ready for the next earthquake did you know if you're a renter you can get earthquake shushes we'll take to the earthquake authorities hi welcome to another episode i'm the chief resilience officer for san francisco i'm joined by my good friends for the earthquake authority we're at the el cap center for the city and county of san francisco started in 2013 to get the community and talk about the risk we think about earthquake if usual great city you'll see

one of the demonstrates we've built the model home and i encourage other episodes we'll be retroactively retrofitting and showing you as property owners to employ you work for the california earthquake authority talk about your role and earthquake shirnls up think the viewers want to know if you're a renter or property owner how the insurance issues. >> i'm the chief mitigation officer or c e a a property line funded pubically managed entity that provides earthquake shiners for one to four units and mobile owners to come down and renters throughout the state of california. >> what make the c e a deft. >> we work with 19 participates the insurer that sells you, your homeowner policy

you're not obligated to buy it but you can buy a policy. >> am i covered with homeowners insurance. >> no california homeowners understand their homeowners insurance doesn't cover earthquake they need a separate policy if you're an shiners you can get the earthquake insurance policy. >> so explain why it is for the c e a is deft if a traditional insurance agency. >> irreverent so in the 80s the state of california passed a law that requires any company that writes the policies to over earthquake insurance the homeowners are not required by commissioner cranshaw can bye there was so much loss they were going to stop writing the insurance policies for earthquakes they wanted to stop

a serious insurance policy. >> we're talking about the homeownership's buying the earthquake shiners but 70 percent are renters what's my opposite. >> the option for renter the earthquake be insurance company is affordable i think people don't realize just exactly what it covers it covers damaged property but loss of use if you have to be under a building they have a quarter main that was broken as well as emergency repair if interests glass breaks in the carpet you need to be in our unit that's whether earthquake is important. >> you're title you're the excessive mitigation officer for the state of california when i think of insurance i don't think about mitigation. >> so as part of public safety mission the c e a started to put aside mitigation loss fund 5 percent of invested income and

when i joined the company 34 years ago we had $45 million to make a difference for moving and incentivizing and mitigation for california homeowners to structure engineering a unique opportunity to cervical homeowners to help them to mitigate the equivalent. >> whether an owner or renter i want to find more information about earthquake insurance where should i go. >> earthquake authority.com not only information about insurance but a calculated figures and as of january lots of deductible and 25 percent if a homeowner mitigate their hope up to 20 percent off their premium as an incentive for the work. >> what does mitigate the home mean. >> strengthen, renovate,

retrofit through a home particularly older to earlier codes and you put in adding streamlining maybe collar bolts to tie to the foundation or to the wall so it is braced to earthquake can be very, very affordable and really makes a difference. >> thank you very much for being with us i encourage the viewers not only to checkout the earthquake authority but we'll talk about