KID

TOPEKA–Ken Selzer, CPA, Kansas Commissioner of Insurance, urges Kansans to know what exclusions might apply to their earthquake policies or earthquake policy endorsements on homeowners insurance policies.

Recent earthquake activity in Oklahoma, felt in some areas of Kansas, has prompted the need for Kansans to read their policy language carefully to know exactly what is covered, Commissioner Selzer said.

“In many cases, there are certain restrictions on what is included in their coverage,” Commissioner Selzer said. “It is wise for policyholders to go over their policies with their insurance agents or companies to fully understand the limits and exclusions.”

Concerns have been raised about whether the Oklahoma quakes have originated because of man-made oil drilling activity. Policy endorsements or special policies may or may not address this, the commissioner said.

“No one should be surprised about what is covered or excluded in any type of policy,” Commissioner Selzer said. “If you have trouble understanding your policy limits or language, contact our Consumer Assistance Division at the Kansas Insurance Department for help.”

The department’s Consumer Assistance Hotline is 1-800-432-2484.