If you're thinking of getting earthquake insurance, you should also give serious thought to seismic retrofitting. Doesn't it make better sense toretrofit your home so it won't suffer major earthquake damage in the first place?
Seismic retrofitting strengthens your foundation so your home can be better equipped to withstand the violent shaking of an earthquake. More important than saving you money in earthquake damage repair costs, a seismic retrofit will give you peace of mind because you know your home can keep your family safe and secure against the next earthquake.
Nothing should be more important to you than the safety and well-being of your family - and seismic retrofitting can give you this assurance. This alone should be enough justification for earthquake-proofing your home. The other reasons are:
Why risk major earthquake damage when you can avoid it? A study on earthquake retrofitting by the Association of Bay Area Governments shows that an optimally retrofitted home can be exponentially more resistant to earthquake damage than a house that has no such modifications.
Seismic retrofitting can spell the difference between a $5,000 and a $260,000 post-earthquake repair bill.
Architect Michael O'Hearn owned two houses on Elm Street, House #210 and House #214. The two houses were practically identical. They:
When the Loma Prieta Earthquake struck in 1989, however, House #214 came apart in 4 sections while House #210 suffered only minor damage.
What made the difference?
Seismic retrofitting made all the difference.
Prior to the earthquake, O'Hearn had had House #210's sill plate bolted to its foundation and its cripple wall framing braced with shear walls. Unfortunately, the earthquake struck before he could have the same improvements done on House #214.
The result?
After the quake, the retrofitted house, House #210, cost only about $5,000 to repair. On the other hand, the repair costs for the non-retrofitted house, House #214, came up to a whopping $260,000.
Insurance underwriters assess various risk factors to calculate insurance premiums. Since the risk of earthquake damage is correlated to reduced earthquake damage risks, seismic retrofitting can actually result in reduced insurance premiums.
Seismic retrofitting usually involves foundation bolting, cripple wall bracing and attaching the floor framing to the cripple wall.
Foundation bolting ties the wood framing members of a building to its concrete foundation. If the mudsill is not connected to the foundation, the entire house could slide off its foundation during an earthquake.
This procedure usually involves bolting the mudsill to the stem wall, usually by using 5/8" diameter anchor bolts embedded at a minimum of 7". If there is no access to bolt the mudsill vertically, alternative methods can be used such as the placement of Universal Foundation Plates.
Foundation bolting is also needed to reinforce the strength of existing connections. From the countless foundation inspections we have conducted, we have found that insufficient connections between the home's wood framing and its concrete foundation are a common problem. Sometimes, existing bolts are few and far between. Other times, the bolts are so severely rusted they are practically useless as connectors.
Cripple wall bracing is the application of structural-grade plywood to the cripple wall. This strengthens and reinforces the cripple wall so that it will not collapse easily during an earthquake.
Most older houses have a short wood-framed wall in the crawl space. This is the cripple wall. It may be anywhere from a few inches to several feet in height, extending from the top of the concrete foundation stem wall to the bottom of the floor joists.
The cripple wall carries an enormous amount of load and, in an earthquake, it bears the brunt of the earth's tremors. In the past, however, they were also usually the weakest part of the house. It became apparent just how flimsy the cripple wall of older houses were when cripple wall collapse turned out to be one of the main causes of building failure in the 1989 Loma Prieta earthquake.
In cripple wall bracing, city-engineered ½" structural-grade 5-ply APA rated plywood sheathing is custom cut with ventilation holes, covered with galvanized wire mesh screens and securely nailed to the cripple wall framing according to structural nailing schedules. For the bracing of cripple walls which are greater than 4 feet in height, the services of a structural engineer are required by the City of Los Angeles Department of Building and Safety.
Properly connecting the floor framing to the cripple wall further strengthens the house's capacity to withstand quakes. The failure of the connection between the floor framing and the cripple wall is another usual cause of earthquake damage.
Simpson A-35 Framing Anchors are usually used to connect the floor framing to the cripple wall.
"Sinai recently performed major earthquake retrofit and foundation reconstruction on my older home. I choose Sinai because they impressed me as a well-staffed and professional company and because of their technical expertise and explanation of their solution. They finished the job on time, with no major problems. They were extremely responsive to my inquiries and met all of my expectations and requests. They even performed some tasks that were beyond the contract specs at no cost to me. I would use Sinai again and recommend them to anyone. Their technical solution was far superior to two other companies that provided bids and I am confident I got the best job."
Bill Wong, Los Angeles