Most regular insurance policies do not cover mudslide damage. Before buying a home, investigate about mudslide activity in your area, and mudslide dangers on the property. Checking the State of California Department of Conservation’s website:http://www.quake.ca.gov/gmaps/WH/landslidemaps.htm would be a great avenue to use as an investigative tool to determine mudslide dangers in the area as your consider buying a home.
If you already bought a home in an area prone to mudslides and mud flow occurs because trees and plants were damaged in an earlier fire, then your homeowners insurance may likely cover it as a fire loss. You would have to prove that if the fire never happened, the flood or mud event would never have happened either. Any complaints/questions about your insurance coverage can be addressed to the Department of Insurance. http://www.insurance.ca.gov/
Every year, U.S. mudslides cause an estimated $1 billion to $2 billion a year in damage and take an average of 50 lives each year. http://en.wikipedia.org/wiki/California_landslides
Contact Hafif & Associates for a FREE CONSULTATION with any questions on your policy coverage. www.hafiflegal.com