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Property-Exclusions: WilsonMudslide The Big "I" Virtual University is the leading technical insurance and agency management information source in the industry-developed for agents, by agents.  Through its extensive research library it provides information on all types of coverages, sample ISO forms, special features, checklists, white papers and more.

Are ‘Mudslides’ Covered by HO or Flood Policies?

We are all aware of the human tragedy involved in the landslide which buried homes in Darrington, Washington in March 2014. From the perspective of our industry, the first question is whether a “landslide” is covered by most homeowner policies. And, since this may have been more of a “mudslide” than a landslide, is it possible that coverage could be found under an NFIP flood policy? If the answer to both questions is “No,” then is this exposure insurable?