Storm Mudflows VS. Mudslides And Insurance Coverage

1/24/2018 (Permalink)

Mudflow in Malibu

Aside from the danger of flooding, heavy rainfall can also lead to mudflow, basically creating a river of mud; and landslides, which are caused by the movement of the destabilized land—due either to gradual erosion or an accumulation of water.

Don’t confuse mudflows with mudslides as there are distinct differences. Mudslides occur when a mass of earth or rock moves downhill, propelled by gravity. They typically don't contain enough liquid to seep into your home, and they aren't eligible for flood insurance coverage. In fact, mudslides are not covered by any policy as stated by the multiple insurance agents we work with.

Mudflow is covered by flood insurancewhich is available from FEMA’s National Flood Insurance Program.

Federal flood insurance is available for homeowners, renters, and business owners; policies cover overflow of inland or tidal waters and unusual and rapid accumulation or runoff of surface waters from any source. NFIP flood policies can be purchased directly from the federal government or through FEMA-authorized insurance companies and agents.