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Error details: Error: INTERNAL_ERROR for 6d496467-1375-9bc0-5fa9-27a7a28f9d3d: {"response":{"errors":[{"message":"INTERNAL_ERROR for 6d496467-1375-9bc0-5fa9-27a7a28f9d3d","locations":[{"line":109,"column":7}],"path":["youmightlike"],"extensions":{"classification":"INTERNAL_ERROR"}}],"data":{"articleData":{"uri":"/2024/10/22/insurance-considerations-for-mudslides-and-landslides/","canonicalUrl":"https://www.propertycasualty360.com/2024/10/22/insurance-considerations-for-mudslides-and-landslides/","generatedId":"heh45fjekie","naturalId":"blogAndPostId/blog/post/414-261751","type":"BLOGSLIDE","postFormat":"news","kickerPresentedBy":null,"breadcrumb":[],"presentedBy":"","title":"Insurance considerations for mudslides and landslides","readtime":"2","timeToRead":"2 minute","prettyModified":"October 22, 2024 at 01:21 PM","prettyDateTime":"October 22, 2024 at 01:00 PM","needToKnow":[],"byline":"Brittney Meredith-Miller","showDisclaimer":true,"authors":[{"name":"Brittney Meredith-Miller","description":"Brittney Meredith-Miller is assistant editor of PropertyCasualty360.com. She can be reached at [email protected].","imageLarge":"https://secure.gravatar.com/avatar/907d63edd26fca4d1281e39a83692dc6?s=136&d=mm&r=g","webUrl":"/author/profile/brittney-meredithmiller/"}],"publication":"Property Casualty 360","kicker":"Slideshow","kickerNode":[{"name":"Slideshow","slug":"slideshow-kicker","uri":"/slideshow/","sectionName":"Slideshow"}],"prettyDate":"October 22, 2024","pubDate":"2024-10-22 13:00:51.000","modifiedDate":"2024-10-22 13:21:12:114","isDownload":"false","primaryCategory":{"channelName":"","sectionName":"","name":"","uri":"","slug":"","channelUri":""},"tags":[],"image":{"uri":"https://images.propertycasualty360.com/contrib/content/uploads/sites/414/2024/10/2.jpg","width":"620","height":"372","alt":"Houses damaged by a mudflow"},"embed1":"","embed2":"","summary":"Landslides can happen anywhere, but insureds may be unaware of the coverage required for these disasters.","categories":[{"name":"Commercial Lines","uri":"/agent-broker/commercial-lines-agent-broker/","channelName":"Agent & Broker"},{"name":"Personal Lines","uri":"/agent-broker/personal-lines/","channelName":"Agent & Broker"},{"name":"Catastrophe & Restoration","uri":"/claims/catastrophe-restoration/","channelName":"Claims"},{"name":"Commercial Lines","uri":"/markets/commercial-lines/","channelName":"Markets"},{"name":"Personal Lines","uri":"/markets/personal-lines/","channelName":"Markets"},{"name":"Weather Risk","uri":"/risk-management/weather-risk/","channelName":"Risk Management"}],"bodyArray":["<p>From 1998 to 2017, <a href=\"https://www.propertycasualty360.com/2024/02/06/deadly-storm-causes-flooding-landslides-in-southern-california/\" target=\"_blank\">landslides and mudslides</a> affected an estimated 4.8 million people around the globe and caused more than 18,000 deaths, the <a href=\"https://www.who.int/health-topics/landslides#tab=tab_1\" target=\"_blank\">World Health Organization</a> (WHO) reports. These disastrous events <a href=\"https://www.propertycasualty360.com/2024/10/17/natural-disasters-are-most-common-in-these-countries/\">can happen anywhere</a>, and climate change and rising temperatures are likely to only exasperate them, especially in mountainous areas that receive a lot of snow and ice. Landslides are caused when the stability of a slope is compromised, often by things like <a href=\"https://www.propertycasualty360.com/2024/03/07/californians-still-weathering-effects-of-extreme-snow-rainfall/\" target=\"_blank\">heavy precipitation</a> following droughts, earthquakes or volcanic eruptions. Mudslides, also known as debris flows, occur when water rapidly accumulates in the ground, causing a surge of rock, earth and debris. Debris flows are often triggered by natural disasters. According to the <a href=\"https://www.cdc.gov/landslides-and-mudslides/about/index.html\" target=\"_blank\">Centers for Disease Control (CDC)</a>, the areas most vulnerable to landslides or mudslides are: |<ul> <li>Areas where wildfires or human modification of the land has destroyed vegetation</li><li>Areas that have previously experienced landslides</li><li>Steep slopes and areas at the bottom of slopes or canyons</li><li>Slopes that have been altered for construction of buildings and roads</li><li>Channels along a stream or river</li><li>Areas where surface runoff is directed</li></ul><p>Mudslides and landslides are powerful events that can cause incredible amounts of damage to life and property, but insureds may be unaware of the coverage considerations of these disasters. In the slideshow above, we'll look at some common questions clients have about mudslide and landslide insurance coverage and get answers from the <a href=\"https://www.iii.org/article/insurance-for-landslides-and-mudflow\" target=\"_blank\">Insurance Information Institute</a> (Triple-I). <h3>Related:</h3>|<ul> <li><a href=\"https://www.propertycasualty360.com/2024/10/17/natural-disasters-are-most-common-in-these-countries/\" target=\"_blank\"><strong>Natural disasters are most common in these countries</strong></a></li><li><a href=\"https://www.propertycasualty360.com/2024/03/07/californians-still-weathering-effects-of-extreme-snow-rainfall/\" target=\"_blank\"><strong>Californians still weathering effects of extreme snow, rainfall</strong></a></li><li><a href=\"https://www.propertycasualty360.com/2024/02/06/deadly-storm-causes-flooding-landslides-in-southern-california/\" target=\"_blank\"><strong>Deadly storm causes flooding, landslides in Southern California</strong></a></li></ul>"],"slides":[{"title":"1","image":"/contrib/content/uploads/sites/414/2024/10/1.jpg","caption":"<h2 xmlns=\"incisive-repository\">Can you get home and business insurance coverage for mudflow?</h2>\n<br xmlns=\"incisive-repository\">\n<b>Triple-I says:</b> “Yes. Mudflow is covered by flood insurance, which is available from FEMA’s National Flood Insurance Program (NFIP) and some private insurance companies. Like flood, however, mudflow is excluded from standard homeowners and business insurance policies—you must buy the coverage separately.”<br>\n(Photo: trekandphoto/Adobe Stock)</br></br>","height":"372","width":"620"},{"title":"2","image":"/contrib/content/uploads/sites/414/2024/10/2.jpg","caption":"<h2 xmlns=\"incisive-repository\">Is coverage for landslides the same as for mudflow?</h2>\n<br xmlns=\"incisive-repository\">\n<b>Triple-I says:</b> “No. A landslide is considered an “earth movement” event so, like an earthquake, it is excluded from standard homeowners and business insurance policies. However, you can buy what’s known as a “Difference in Conditions” policy (which typically offers all-in-one coverage for landslides, mudflows, earthquakes, and floods).” <br>\n(Photo: Alexandra/Adobe Stock)</br></br>","height":"372","width":"620"},{"title":"3","image":"/contrib/content/uploads/sites/414/2024/10/3.jpg","caption":"<h2 xmlns=\"incisive-repository\">Will an earthquake policy cover a home or business for landslides?</h2>\n<br xmlns=\"incisive-repository\">\n<b>Triple-I says:</b> “No. Like landslides, earthquakes do involve earth movement, however a separate earthquake policy is needed for quake-caused property damage as the causes of the movement are different. Landslides are caused by erosion or water accumulation that destabilizes the land, while earthquakes are caused by seismic activity.”<br>\n(Photo: The Whyte Stock/Adobe Stock)</br></br>","height":"372","width":"620"},{"title":"4","image":"/contrib/content/uploads/sites/414/2024/10/4.jpg","caption":"<h2 xmlns=\"incisive-repository\">Does an auto policy provide coverage for mudflow and landslides?</h2>\n<br xmlns=\"incisive-repository\">\n<b>Triple-I says:</b> “Yes, provided that you bought the optional comprehensive coverage with your auto insurance policy… Under comprehensive insurance, flood and earthquake-caused damage to your car will also be covered.”<br>\n(Photo: Аrtranq/Adobe Stock)</br></br>","height":"372","width":"620"}],"video":""},"articlePackages":[],"youmightlike":null,"readnext":{"contents":[{"uri":"/2024/10/03/auto-markets-in-2025-at-the-crossroads-of-profit-fairness-hard-soft-markets/","title":"Auto Markets in 2025: At the Crossroads of Profit & Fairness, Hard & Soft 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