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Earthquake Retrofitting questions, answered by experts

Many homeowners want to know whether earthquake retrofitting is tax deductible. Because it’s often considered a capital improvement, you usually can’t deduct it. In some cases and locations, you may qualify for tax incentives, but you’ll need to talk to a tax professional or the Internal Revenue Service (IRS) about your specific circumstances. You may also be able to find grant money for seismic upgrades, which can lower the cost of your insurance premiums and save money over time.

According to the Earthquake Country Alliance—a public and private alliance in California that works to improve earthquake and tsunami readiness—reports that unreinforced masonry, such as stone, bricks, and hollow clay tiles, is more susceptible to earthquake damage. The mortar between bricks isn’t as stable as other building materials and methods.

An earthquake retrofit is essential for safety in an earthquake-prone area. Without proper retrofitting, your home is at risk of sliding off the foundation, shifting, or collapsing.

You may also require a retrofit if your home was built before 1980 when building codes began requiring reinforcing, bracing, and bolting for new construction. You may not be eligible for insurance to help pay for earthquake-related damages without a retrofit.

Some cities or states may require you to have an earthquake gas shut-off valve. Your insurance provider may also have requirements for installing this valve. Even if you don’t have to have one by law, it’s wise to have a natural gas plumber install one anyway. These devices can be lifesaving and prevent fires or explosions in the event of a gas leak.

Earthquake retrofitting can increase your home value, making it a great return on investment. This feature is especially valuable in areas prone to earthquakes. Besides the increased safety value (not only for your family but for the next family who moves in), earthquake retrofitting also helps lower homeowners insurance rates. In addition, having your home earthquake retrofitted can make it easier to get a home loan since they are considered lower risk.

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The Germantown, NY homeowners’ guide to earthquake retrofitting services

From average costs to expert advice, get all the answers you need to get your job done.

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