Talk Irvine

General => Real Estate => Irvine Real Estate => Topic started by: talkirvine on July 06, 2019, 03:04:12 AM

Title: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: talkirvine on July 06, 2019, 03:04:12 AM
Due to the recent earthquakes in the news, now I am taking the risk of earthquake damage into consideration.

Could anyone comment on Which part of Irvine is away from earthquake faults and has solid rocks underneath? Thanks.

I have found this website where I can see different faults, but I do not quite understand the different faults and the associated risks. For instance, there is a black line across turtlerock, does it mean turtlerock is on a fault? And is it true that turtle rock lies mainly on solid rocks?

Thanks.
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: aquabliss on July 06, 2019, 06:00:46 AM
According to this:
https://maps.conservation.ca.gov/cgs/EQZApp/app/

Mostly all of Irvine N of 405 is in a liquification zone.

Liquefaction: Shaking from an earthquake can cause land to behave like quicksand, causing the ground to fail. This can happen in places where the land is made of loose sand or silt and filled with groundwater.

Liquefaction can also cause something called "lateral spreading," in which the ground can slide down gentle slopes or toward the bank of a river while on top of a buried layer that acts like a liquid.

“Because sand is behaving like a fluid, anything on top of it is going to slide,” McCrink said. “Because that material at depth is behaving like quicksand … gravity is going to push it down, even on a very small slope.”


Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: qwerty on July 06, 2019, 07:56:59 AM
Perhaps I’m ignorant on this topic, but if a strong enough earthquake hits and takes down homes in northern irvine, homes south of the 405 will also be coming down
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: lnc on July 06, 2019, 09:33:56 AM
South of 405 is on top of the Newport-Inglewood Fault Line, which are capable of producing a magnitude-7.4 quake.  This one is going to be more destructive for OC than the big one from San Andreas since its so close.

Newport-Inglewood Fault is the one right next to Irvine in this map.
(https://www.kcet.org/sites/kl/files/atoms/article_atoms/www.kcet.org/news/rewire/assets_c/2013/10/southern-california-earthquake-faults-thumb-600x375-61512.jpg)


http://blogs.dailybreeze.com/history/2018/07/21/living-with-the-newport-inglewood-fault/
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: curious george on July 06, 2019, 10:47:54 AM
how one can verify/check if his house has been build according to updated building codes to withstand an earthquake?
is that by the year it was built?
are there any inspectors that can determine that?
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: Soylent Green Is People on July 07, 2019, 06:47:24 AM
Worstest case scenario: An 8.5 on Newport Fault Line reopens the dormant Costa Mesa hot springs fissure (Victoria and Harbor) while simultaneously converting the Brea and San Juan Capistrano hot springs into 3 full blown Kilauea style volcanic events. That...... or San Andrea's fires a 9.0 event, Avalon shears off into the Pacific and the resulting tsunami turns the entire L.A. Basin into a Bay. Much can go wrong quickly here in SoCal given its topography, terrain, and history.

We have had since 2016 emergency food supplies to last about 90 days, along with multiple water filtration tools to get us through a "Big One" event. I'm soon adding a spare wrench to turn the gas meter off when needed and a few more ammunition caches.

One can't be ready for everything, but if you haven't done so already preparing now is a wise choice.

My .02c
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: gpquest on July 07, 2019, 08:50:47 AM
Worstest case scenario: An 8.5 on Newport Fault Line reopens the dormant Costa Mesa hot springs fissure (Victoria and Harbor) while simultaneously converting the Brea and San Juan Capistrano hot springs into 3 full blown Kilauea style volcanic events. That...... or San Andrea's fires a 9.0 event, Avalon shears off into the Pacific and the resulting tsunami turns the entire L.A. Basin into a Bay. Much can go wrong quickly here in SoCal given its topography, terrain, and history.

We have had since 2016 emergency food supplies to last about 90 days, along with multiple water filtration tools to get us through a "Big One" event. I'm soon adding a spare wrench to turn the gas meter off when needed and a few more ammunition caches.

One can't be ready for everything, but if you haven't done so already preparing now is a wise choice.

My .02c

Just make sure you have quake insurance to cover the cost to rebuild your house. Life goes on!
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: nosuchreality on July 07, 2019, 08:14:45 PM
Worstest case scenario: An 8.5 on Newport Fault Line reopens the dormant Costa Mesa hot springs fissure (Victoria and Harbor) while simultaneously converting the Brea and San Juan Capistrano hot springs into 3 full blown Kilauea style volcanic events. That...... or San Andrea's fires a 9.0 event, Avalon shears off into the Pacific and the resulting tsunami turns the entire L.A. Basin into a Bay. Much can go wrong quickly here in SoCal given its topography, terrain, and history.

We have had since 2016 emergency food supplies to last about 90 days, along with multiple water filtration tools to get us through a "Big One" event. I'm soon adding a spare wrench to turn the gas meter off when needed and a few more ammunition caches.

One can't be ready for everything, but if you haven't done so already preparing now is a wise choice.

My .02c

I think that's best case scenarios.  Many if not most won't survive the initial event, subsequent aftershocks and those that do will be so hindered in their mobility you'll have relative isolation.

Worse case scenario is a mid-8 on the Andreas in Riverside triggering other mid-6, 7s on the faults thru the LA.area like Inglewood, Newport etc.  Enough to mess things up, cripple governemnt and their access to the region while displacing everyone but leaving them alive, initially.

I was in Eastside Costa Mesa a decade ago when a trivial little 3.2/3.4 hit the newport fault under Eastside. It felt like i was sitting at a stop light when you get rear ended in your car.  iMHO, we're all.jaded thinking we've been in earthquakes, we haven't. When you're on the or near the epicenter its a whole different game.  Frankly, if that would have been a 5.4 or 6.4 at 100x or 1000x magitude if would have probably thrown me and the couch across the room.
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: Soylent Green Is People on July 08, 2019, 01:04:26 PM
We still pay EQ insurance, but have been advised by more than one insurance agent that if the building happens to be on fire after the quake, regular insurance should cover the loss. That said I never hope to find out if this theory is true or not.

My .02c
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: Mety on July 08, 2019, 05:03:19 PM
So what about detached condos? Are they covered by the HOA if the earthquake damages the home?
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: irvinehomeowner on July 09, 2019, 06:16:56 AM
We still pay EQ insurance, but have been advised by more than one insurance agent that if the building happens to be on fire after the quake, regular insurance should cover the loss. That said I never hope to find out if this theory is true or not.

My .02c

Hmm... loophole.

Note to momopi: Add accelerants to survival kit. :)
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: Soylent Green Is People on July 09, 2019, 06:49:22 AM
Only way to know what an HOA covers is to ask the HOA management. Seems like a good time to start a thread about which HOA's cover EQ damage and which ones do not.
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: nosuchreality on July 09, 2019, 07:52:17 AM
Only way to know what an HOA covers is to ask the HOA management. Seems like a good time to start a thread about which HOA's cover EQ damage and which ones do not.

Of course, like any (quazi)government monopoly agency, any shortfalls in coverage, deductibles or cost over runs will be assessed to the ratepayers ( home owners).


Its the gift that keeps giving.  You'll pay double because the people making the deal arent spending their money and may not know what they're doing.

They you'll pay double again because your special.assessment will be to pay for the loan to get the money up front while the HOA figures out and collects the special assessment.

Which may be on top of the fact that prices probably will double due to demand after the event.



(Can you tell I still have a bad taste in my mouth from my HOA reroofing 25 years ago?)


Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: kbinteriordesign on July 09, 2019, 02:03:50 PM
So what about detached condos? Are they covered by the HOA if the earthquake damages the home?

We actually asked our HOA representative this question and this was their response:

Our Master policy does not currently have earthquake related coverage.  We have a full policy for the buildings structure but excludes earthquake damage at this time.
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: Soylent Green Is People on July 09, 2019, 02:14:44 PM
So assuming no EQ coverage with any condo project, might anyone dare to ask the follow up question: "So if there is an earthquake that results in a fire, is the damage from the fire covered?"

The HOA Manager might get a bit flustered if asked, so an alternative might be "So a week after a big EQ one of the pipes in the street busts and floods my house. Who covers that loss?"

My .02c
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: nosuchreality on July 09, 2019, 08:11:23 PM
The interior is the owners responsibility.  The exterior will have a special assessment as its doubtful they carry flood insurance.
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: Mety on July 10, 2019, 09:39:47 AM
So even with EQ insurance, don't you have to pay like $200k deductible on your own?
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: Irvinecommuter on July 10, 2019, 10:15:26 AM
So even with EQ insurance, don't you have to pay like $200k deductible on your own?

You can adjust your deductible now.

The best use of EQ insurance is for 1) damage that is moderate and can be repaired and 2) if your house is complete destroyed and you want to move elsewhere. 

If your house is completely destroyed...there is pretty good chance that the surrounding area/infrastructure is decimated.  Your property value are going to be nonexistent any ways and you are better off just giving the house back to the bank.  The EQ insurance payment you get will not likely be enough to pay off your mortgage and even if it does...it's not going to be enough to rebuild your house. 
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: Mety on July 10, 2019, 10:21:19 AM
So even with EQ insurance, don't you have to pay like $200k deductible on your own?

You can adjust your deductible now.

The best use of EQ insurance is for 1) damage that is moderate and can be repaired and 2) if your house is complete destroyed and you want to move elsewhere. 

If your house is completely destroyed...there is pretty good chance that the surrounding area/infrastructure is decimated.  Your property value are going to be nonexistent any ways and you are better off just giving the house back to the bank.  The EQ insurance payment you get will not likely be enough to pay off your mortgage and even if it does...it's not going to be enough to rebuild your house.

So in the end, it's not worth it.
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: Irvinecommuter on July 10, 2019, 10:29:59 AM
So even with EQ insurance, don't you have to pay like $200k deductible on your own?

You can adjust your deductible now.

The best use of EQ insurance is for 1) damage that is moderate and can be repaired and 2) if your house is complete destroyed and you want to move elsewhere. 

If your house is completely destroyed...there is pretty good chance that the surrounding area/infrastructure is decimated.  Your property value are going to be nonexistent any ways and you are better off just giving the house back to the bank.  The EQ insurance payment you get will not likely be enough to pay off your mortgage and even if it does...it's not going to be enough to rebuild your house.

So in the end, it's not worth it.

It depends on where you are...and what you expect the results of a quake to be.  Most houses are not destroyed..but damaged.  So if you have a $200K bill to mix your walls and foundation...insurance is worth it. 

If you have a low mortgage, it's worth it because you can pay off the loan...keep the remainder and then apply for low interest loans for a new place.

People who talk about equity value forget that your house is going to be next to worthless if a major disaster strikes.
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: eyephone on July 10, 2019, 10:31:26 AM
So even with EQ insurance, don't you have to pay like $200k deductible on your own?

You can adjust your deductible now.

The best use of EQ insurance is for 1) damage that is moderate and can be repaired and 2) if your house is complete destroyed and you want to move elsewhere. 

If your house is completely destroyed...there is pretty good chance that the surrounding area/infrastructure is decimated.  Your property value are going to be nonexistent any ways and you are better off just giving the house back to the bank.  The EQ insurance payment you get will not likely be enough to pay off your mortgage and even if it does...it's not going to be enough to rebuild your house.

So in the end, it's not worth it.

Not necessarily, I wouldn’t recommend walking away from the property.
It think it maybe cheaper to fix/rebuild than buying another house.
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: Mety on July 10, 2019, 10:34:16 AM
So even with EQ insurance, don't you have to pay like $200k deductible on your own?

You can adjust your deductible now.

The best use of EQ insurance is for 1) damage that is moderate and can be repaired and 2) if your house is complete destroyed and you want to move elsewhere. 

If your house is completely destroyed...there is pretty good chance that the surrounding area/infrastructure is decimated.  Your property value are going to be nonexistent any ways and you are better off just giving the house back to the bank.  The EQ insurance payment you get will not likely be enough to pay off your mortgage and even if it does...it's not going to be enough to rebuild your house.

So in the end, it's not worth it.

It depends on where you are...and what you expect the results of a quake to be.  Most houses are not destroyed..but damaged.  So if you have a $200K bill to mix your walls and foundation...insurance is worth it. 

If you have a low mortgage, it's worth it because you can pay off the loan...keep the remainder and then apply for low interest loans for a new place.

People who talk about equity value forget that your house is going to be next to worthless if a major disaster strikes.

Yeah I guess it depends, but with $200k, wouldn't you want to buy another home rather than waiting for the insurance to fix the home for you? If you bought with all cash, then I guess it's a different story. I'm speaking from a regular 20% downpayment-ers's perspective.

Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: irvinehomeowner on July 10, 2019, 10:54:13 AM
I don't think any HOA insurance includes earthquake insurance just like no homeowners' policies do.

I'm wondering if it's worth it. On our older home, EA insurance was over $130/month, in newer homes it's only $20/month... and no... there is no ROI calculation here. :)
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: paperboyNC on July 10, 2019, 11:31:24 AM
I don't think any HOA insurance includes earthquake insurance just like no homeowners' policies do.

I'm wondering if it's worth it. On our older home, EA insurance was over $130/month, in newer homes it's only $20/month... and no... there is no ROI calculation here. :)

This really matters with attached condos. You can't repair/rebuild without the HOA / other homeowners all agreeing to a plan and each contributing.

With a detached condo or SFR, you can rebuild or sell the land on your own.
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: eyephone on July 10, 2019, 11:33:15 AM
So even with EQ insurance, don't you have to pay like $200k deductible on your own?

You can adjust your deductible now.

The best use of EQ insurance is for 1) damage that is moderate and can be repaired and 2) if your house is complete destroyed and you want to move elsewhere. 

If your house is completely destroyed...there is pretty good chance that the surrounding area/infrastructure is decimated.  Your property value are going to be nonexistent any ways and you are better off just giving the house back to the bank.  The EQ insurance payment you get will not likely be enough to pay off your mortgage and even if it does...it's not going to be enough to rebuild your house.

So in the end, it's not worth it.

Not necessarily, I wouldn’t recommend walking away from the property.
It think it maybe cheaper to fix/rebuild than buying another house.

An example. Many people rebuilt their home after the fire.
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: zubs on July 10, 2019, 11:57:55 AM
If CA sees more wildfires in the future, insurance will stop covering it, and place it in the same category as earthquake insurance with the spend $200,000+ before we start covering your house.
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: eyephone on July 10, 2019, 12:15:14 PM
Another reason why I recommend to buy detached or sfh.
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: irvinehomeowner on July 10, 2019, 01:52:47 PM
Another reason why I recommend to buy detached or sfh.

For example... *not* Delano. :)
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: mads on July 10, 2019, 01:58:06 PM
So assuming no EQ coverage with any condo project, might anyone dare to ask the follow up question: "So if there is an earthquake that results in a fire, is the damage from the fire covered?"

The HOA Manager might get a bit flustered if asked, so an alternative might be "So a week after a big EQ one of the pipes in the street busts and floods my house. Who covers that loss?"

My .02c

https://www.cnn.com/2019/07/05/us/california-earthquake-insurance/index.html (https://www.cnn.com/2019/07/05/us/california-earthquake-insurance/index.html)
While the goal is to provide some relief, it's not meant to bring you back to your pre-earthquake days, officials say.
"There are limits on what earthquake insurance pays," the California Department of Insurance says. "The purpose of earthquake insurance is to help put a roof back over your head."
And earthquake insurance usually does not cover anything already included in your homeowner's policy.
"For example, your homeowner's policy covers fire damage, even if an earthquake causes the fire. Therefore, your earthquake policy does not cover fire damage," the California Department of Insurance says.
Earthquake insurance does not cover damage to your vehicles either -- that may be covered by your auto policy. Neither does it cover water damage from outside your home after an earthquake, including sewer, drain back-up and flooding, among others.
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: Mety on July 10, 2019, 02:05:31 PM
I don't think any HOA insurance includes earthquake insurance just like no homeowners' policies do.

I'm wondering if it's worth it. On our older home, EA insurance was over $130/month, in newer homes it's only $20/month... and no... there is no ROI calculation here. :)

This really matters with attached condos. You can't repair/rebuild without the HOA / other homeowners all agreeing to a plan and each contributing.

With a detached condo or SFR, you can rebuild or sell the land on your own.

Wouldn't it be better if the HOA covers you? I know they might take forever to take care of you, but rebuilding on your own doesn't sound too attractive especially with typical deductibles you have to pay for EQ insurances.

Also I don't know if there will be any difference between an attached and a detached when they're all condo/co-ops in Irvine. SFRs with no HOA would be the case you get to do your own stuff, but I think any planned community with HOA still would need to go through them. Any idea?
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: paperboyNC on July 15, 2019, 11:07:33 AM
Wouldn't it be better if the HOA covers you? I know they might take forever to take care of you, but rebuilding on your own doesn't sound too attractive especially with typical deductibles you have to pay for EQ insurances.

Also I don't know if there will be any difference between an attached and a detached when they're all condo/co-ops in Irvine. SFRs with no HOA would be the case you get to do your own stuff, but I think any planned community with HOA still would need to go through them. Any idea?

I live in a detached condo.

- I have access to every exterior wall in my home
- The HOA does NOT insure the home. I do

Not all detached condos are created equal.
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: Mety on July 15, 2019, 11:34:45 AM
Wouldn't it be better if the HOA covers you? I know they might take forever to take care of you, but rebuilding on your own doesn't sound too attractive especially with typical deductibles you have to pay for EQ insurances.

Also I don't know if there will be any difference between an attached and a detached when they're all condo/co-ops in Irvine. SFRs with no HOA would be the case you get to do your own stuff, but I think any planned community with HOA still would need to go through them. Any idea?

I live in a detached condo.

- I have access to every exterior wall in my home
- The HOA does NOT insure the home. I do

Not all detached condos are created equal.

So your fully detached home is all on your own. What about semi detached/attached or zero lot detached homes? If the HOA covers those homes, then being all on your own might actually be more costly in case of earthquakes, don't you think (if neither had an EQ insurance)?

Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: jwblue on July 17, 2019, 04:53:56 PM
A while ago I read somewhere that Newport Beach would not be affected as severely by a major quake.

Is this patently false.

If CA sees more wildfires in the future, insurance will stop covering it, and place it in the same category as earthquake insurance with the spend $200,000+ before we start covering your house.

Earthquake coverage only begins over $200K?  I could be wrong but can anyone verify this?  I was reviewing my earthquake coverage and do not recall that.
Title: Re: Which part of Irvine is away from earthquake faults and has solid rocks undernea
Post by: Irvinecommuter on July 17, 2019, 05:04:38 PM
A while ago I read somewhere that Newport Beach would not be affected as severely by a major quake.

Is this patently false.

If CA sees more wildfires in the future, insurance will stop covering it, and place it in the same category as earthquake insurance with the spend $200,000+ before we start covering your house.

Earthquake coverage only begins over $200K?  I could be wrong but can anyone verify this?  I was reviewing my earthquake coverage and do not recall that.

It depends on your deductible.
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