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CEA Mitigation Program
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CEA's commitment to mitigation is reflected in its Strategic Plan, adopted
by the CEA Governing Board in December, 2013. The CEA's enabling legislation
directs the CEA Governing Board to annually set aside five percent of CEA's investment
income (as long as the set aside is actuarially sound and up to a limit of five
million dollars) to be used for activities that educate residents about their earthquake
risk and motivate them to protect themselves and their property. This includes programs
to provide financial assistance to those who mitigate their homes against seismic
risk. The CEA mitigation program has coordinated projects and objectives into three
The intent of the earthquake Pre-standards development project is to create statewide retrofit standards that can be used to reduce earthquake damage in single family dwellings. The guidelines will be an extension of Appendix Chapter A3 of the International Building Code, the limited standards for retrofit of cripple wall dwellings adopted, by reference, into the California Building Code in 2010 through CEA’s efforts. In addition to providing uniform standards for homeowners, contractors and engineers, these guidelines will be used to establish and expand (1) an incentive program to encourage seismic retrofits, such as that currently being coordinated under the California Residential Mitigation Program (“CRMP”), and (2) to improve the ability for the CEA to develop and provide mitigation discounts for insured homeowners.
Earthquake insurance premium discounts for bolting a foundation, sheathing a cripple wall, and strapping a water heater are currently at five percent. Any increases in this discount are dependent upon additional research into the loss and damage reduction from specified seismic retrofits. CEA is pursuing plans to fund research into the effectiveness of specified retrofits, including numerical modeling, component testing, and possibly shake table testing of seismically strengthened and un-strengthened single-family dwellings.
|Putting Down Roots in Earthquake Country|
The CEA is well established as a major sponsor of the highly regarded and very popular consumer safety handbook, Putting Down Roots in Earthquake Country (PDR). More than 3.5 million handbooks have been delivered to consumers through mass media, insurance agents, Red Cross, United States Geological Survey (USGS), and the CEA itself, among many others.