I want to buy in San Francisco, and want earthquake insurance if I do. I talked to Amica and State Farm. Reps from both companies indicated that they'll insure if the frame is bolted to the foundation ... and not otherwise.
I'm thinking of making an offer on a house that, unfortunately, has a foundation-to-frame junction mostly obscured by paneling installed in the basement. There are only about five feet in which I can see the connection between foundation and frame. I have visited the house twice.
In those five feet, there's one bolt that clearly attaches the frame to the foundation. But I ordinarily would expect to see more bolts than just one, even in five feet.
If there's one bolt attaching the frame to the foundation, are there likely to be others, behind all that paneling? Or is that just wishful thinking on my part?
Thanks in advance for any help you can offer!