Even though California was running below its seasonal average for precipitation, a set of winter storms hit the state this week. California’s Department of Insurance (“CDOI”) timely released a Notice to all property and casualty insurance carriers who provide homeowners and commercial property insurance to California consumers about their obligations to cover mudslide events, specifically in areas recently impacted by wildfires.
Continue Reading California Department of Insurance Reminds Carriers to Cover Mudslides Following Wildfires

Most homeowners and commercial insurance policies contains exclusions for loss or damages caused by mudflow or other similar occurrences. An example of on such exclusion is included below:

b. Earth Movement and Settlement, meaning earthquake, which includes land shock wavers or tremors before, during or after a volcanic eruption; landslide; mudflow; sinkhole; earth sinking, rising or shifting; clay shrinkage or other expansion or contraction of soils or organic materials; decay of buried or organic materials; setline cracking or expansion of foundation;


Continue Reading California Mudslide Exclusions Unenforceable Where Wildfires Caused Slide

Southern Californians impacted by the mudslides that followed the devastating wildfires in Ventura and Santa Barbara may see some light at the end of the tunnel with the big question of whether insurers will cover their mudslide loss. Over the last few week Californians have lost their homes when the rains brought homes down from the mountainsides ravaged by fire. With the vegetation gone, the hills and mountains simply could not hold during the heavy rains and mud flowed downhill at 20 miles per hour at what witnesses can only call a “wall of mud” that consumed homes and lives within its path. For many, this meant losing all worldly possessions when their houses slid down the hillside and were buried in mud. Even the ability to rebuild in the area is a question for many.
Continue Reading California Department of Insurance Provides Notice that Mudslides are Covered Losses

This morning’s post by Jennifer Van Voorhis about California mudslides and mudflows made me think, “we’ve written about mudflow and mudslide issues before.” So, I did something that I suggest others do when researching topics on the Merlin Property Insurance Coverage Law blog—use the search function on the upper right side of the blog to find relevant posts.
Continue Reading California Mudslides, Mudflows, and the Merlin Law Blog Search Function