Risk Before Buy
Free Contingency Template

Earthquake & Seismic Risk Property Insurance Contingency Addendum

Universal earthquake contingency clause template. Covers seismic hazard zones, retrofit requirements, CEA coverage, and liquefaction risk for home buyers.

Hazard-Specific ClauseAll statesEarthquakeAny standard residential purchase agreement
Preview — first sections only

EARTHQUAKE & SEISMIC RISK PROPERTY INSURANCE CONTINGENCY ADDENDUM

PURPOSE

This template specifically addresses earthquake risk, including USGS seismic hazard zones, liquefaction and landslide susceptibility, mandatory retrofit ordinances, and California Earthquake Authority or equivalent coverage options.

Key protections

  • Focused earthquake risk due diligence period
  • Insurance premium cap with earnest money protection
  • Hazard zone reclassification contingency
  • Seller disclosure obligations for prior earthquake-related damage

What's inside

  1. 1Purpose and Scope
  2. 2Hazard-Specific Due Diligence Period
  3. 3Insurance Premium Contingency
  4. 4Hazard Zone Reclassification Contingency
  5. 5Limitations and Disclaimers
  6. 6Execution

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Frequently asked questions

Educational template only

This template is provided for educational and drafting purposes. It is not legal advice. Always have a licensed real estate attorney in your jurisdiction review and customize any contract language before using it in a transaction.

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