I have Jumpstart Insurance, How Will the Claims Process Work?

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Picture this scenario: a large earthquake just hit! Thankfully, you had Jumpstart insurance. After the earthquake, you received a text message from us, you replied to confirm you have expenses resulting from the quake, and $10,000 was deposited into your account. Our Jumpstart insurance claims process is simple and effective. Here is a deep dive into our payout process!

This post is Part 2 in a 4-part series for new Jumpstart customers. Next up: Other ways to prepare for an earthquake. In case you missed it, Part 1 covers general FAQs.

How does the claims process work?

After an earthquake occurs, if your location experiences the triggering shaking intensity, we send you a text message that asks if you expect to experience extra expenses. After you respond affirmatively, we initiate payment.

We use text messaging because it’s likely to be the first form of communication to start working after a disaster. If text messages do not work after the quake, you can provide your affirmative response by calling us (510-891-1753); contacting us on the chat box on the bottom right of our home page; emailing us ([email protected]); by logging into your account; through Facebook messenger; or by sending us a letter. You have 60 days to respond after the earthquake.

Other common questions related to our payout process include:

Do I need to prove $10,000 of expenses in order to receive payment?

No. When you are eligible for payment and respond affirmatively, we authorize the full payment.

Is there a deductible?

No. Each payment is deposited directly into your bank account.

How was my premium determined?

Jumpstart’s innovative coverage has a low monthly premium, based on your zip code. Powered by USGS data, we determine the likelihood of a major earthquake affecting you in the future. Locations with higher earthquake risk have higher premiums.

How do you determine payment eligibility?

To ensure fast, fair payments, we use data from the United States Geological Survey, or USGS. Payment eligibility is based on shaking intensity. Specifically, locations that are coded on the USGS shake map as experiencing “severe” shaking–peak ground velocity of 30 centimeters per second or more—are eligible to receive payment.

The basis of determining payment eligibility is the USGS data available 24 hours after the quake occurs.

What can I use the payment money for?

The payment is yours to spend as you need to recover. Use the money for any quake-related expenses, the money is yours to use however you need it!

Examples could include:

  • Living Expenses
  • Replacing Broken Items
  • Moving Costs
  • Child/Elder Care
  • Home Repairs

The only things not covered are losses already paid by other insurance, and losses due to bodily harm. Oh, and earthquakes caused by nuclear explosions…seriously.

Are you a new Jumpstart customer? Keep reading! This blog is part 2 in a 4 part series with all sorts of useful information, links, and special offers for new customers. Did you miss part 1 in your Jumpstart user manual? Next up: what else you can do to prepare for the next earthquake.