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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?

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