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Home » Does Your Home Insurance Cover Mudslides?
January 12, 2018

Does Your Home Insurance Cover Mudslides?


An aerial view of Montecito, California, shows mudflow and debris on Wednesday, January 10. Heavy rains unleashed deadly mudslides Tuesday that damaged or swept away dozens of homes in Southern California.

The answer is ‘NO”.

The U.S. Geological Survey estimates that landslides cause an average of $3.5 billion a year in damage.    https://on.doi.gov/2ASDPCh

Homeowners insurance typically doesn’t cover landslides or mudslides. That’s because both are considered a form of “earth movement”, and like an earthquake or sinkhole, they’re generally excluded from a standard homeowners insurance policy.  

A Flood policy issued by FEMA (Federal Emergency Management Agency) might cover certain types of mudslides but they must meet certain criteria. See below for the definition:

According to FEMA, a flood is a complete or partial inundation of two or more acres of land, from inland or tidal waters; or from a rapid accumulation of surface waters from any source; or mudflow. So technically, under a National Flood Insurance Program (NFIP) policy, you would likely be covered.   http://bit.ly/2D3B06A

So in many cases, the homeowner will have to pay for damages to their  home out of their own pocket!  Sounds like it could be financially devastating.

Tags: home insurance

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