Landslide: a special
risk that requires special coverage
SEATTLE - In the wake of today's massive
landslide that plunged into the Stillaguamish River near Darrington,
it's important for homeowners to be aware that standard homeowners
insurance does not cover flood or earth movement such as landslide
and mudflow.
This latest landslide has caused some flooding,
threatening nearly a dozen homes.
"Property owners in high-risk areas need
special coverage that is not included in a standard Homeowners policy,"
said Karl Newman, president of the NW Insurance Council. "Coverage
is available through specialty carriers at an additional cost."
To protect against these specific risks,
property owners can purchase special coverage from an insurance
broker or through the National Flood Insurance Program (NFIP). If
you live in a high-risk area, there are several things you can do
to protect yourself from landslides and flood.
The NW Insurance Council and NFIP offer
the following tips:
- Create a family evacuation plan.
- Learn and recognize early mudslide warning signs such as: doors
or windows that stick or jam, new cracks in plaster, tile, bricks
or foundations, broken underground utility lines and bulging ground
at the base of a slope.
- Build retaining walls and install flexible pipe fitting to avoid
gas or water leaks.
- Maintain a written inventory of all possessions, including descriptions
and serial numbers. Damage to personal contents inside a vehicle
is covered under standard homeowners or renters insurance. Damage
to vehicles caused by landslide or mudflow are covered if the
owner has Comprehensive Coverage in their auto policy.
- If you aren't sure what's covered or have questions regarding
your policy, contact your agent or insurance company.
If you'd like more information on how to
protect your family and property from mudslides and flood, contact
the NW Insurance Council at (800) 664-4942 or visit www.nwinsurance.org.
NW Insurance Council is a nonprofit,
public education organization funded by member insurance companies.
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