On January 7, 2020 in the town of Guanica, Puerto Rico at 4:24 in the morning, an earthquake of magnitude 6.6 occurred causing damage to countless residences and public buildings, including schools. Since December 28, 2019, southern Puerto Rico has registered more than 50 earthworks. Since then, in the villages of Guanica, Guayanilla, Yauco, Peuelas, they have been affected leaving thousands of Puerto Ricans homeless and sleeping in makeshift shelters. Today January 11, 2020. Xavier Garcia /Bloomberg On January 7, 2020, in the town of Guanica, Puerto Rico, an earthquake of magnitude 6.6 occurred causing damage to countless residences and public buildings, including schools. This photo was taken on January 11, 2020. (Photo: Xavier Garcia/Bloomberg)

Every claim is different, and some insurance policies can be difficult to interpret for unique situations. FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry, makes it simple to find credible answers to your complicated coverage questions. Analysis brought to you by our FC&S experts. 

Editor’s Note: Earthquakes are one of those unpredictable natural disasters that can cause significant damage. They are often excluded from insurance policies because they are both unpredictability and losses can be severe. This week, a subscriber shares their insurance conundrum following the recent earthquakes in Puerto Rico

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