Mount St. Helens Anniversary

Posted on May 18, 2020 at 08:55 PM

Concerned about Volcano damage? Here’s what is and isn’t covered if a NW volcano erupts

On May 18, 1980, Mount St. Helens blew her top, causing over $1 billion in damage and killing 57 people. The eruption is touted as the most disastrous volcanic eruption in U.S. history.

The Pacific Northwest is home to both active and dormant volcanoes, but of course, there is no way to know if or when volcanic activity could be serious enough to cause property damage.  For families and businesses across the region – especially in communities in the path of a volcanic eruptions, it is important to have a disaster preparedness plan in place and know what standard home, auto and business insurance policies cover (and what they don’t), as well as what consumers might wish to consider for additional coverage.

Experts say that a major eruption, such as one at Washington’s Mt. Rainier, could send ash could as high as 20,000 feet, drifting as far south as California. Searing hot magna likely would melt ice and snow, possibly triggering floods and lahars (mudflows) to populated communities, particularly to the west and south of the volcano. 

The first and most important thing for families and businesses in the Northwest to keep top-of-mind is knowing what you and your family will do in case of an emergency, whether it comes from a volcano, an earthquake or a wildfire evacuation.

It’s also helpful to know what’s covered and not covered under standard home, business and auto policies – and what coverage to consider to help aid in recovering after a disaster.

The NW Insurance Council and Insurance Information Institute offer the following information to help you know what to do and prepare for a volcanic eruption:

What’s Covered

  • Most Home, Renters and Business Insurance policies provide coverage for property loss caused by volcanic eruption when it is the result of a volcanic blast, airborne shockwaves, ash, dust, or lava flow. Fire, explosion, or theft resulting from volcanic eruption also is covered.
  • Damage to your vehicle is covered under most Auto policies if you have Comprehensive Coverage at the time of the loss. Direct, sudden damage to engines from volcanic ash or dust is covered under most policies. Most policies do not cover damage that occurs over time and is caused by volcanic dust or ash. Wear and tear from any circumstance general is not covered.
  • A vehicle accident that happens during or after a volcanic eruption would be covered like any other accident, provided you have Collision and Liability protection at the time of the accident.

What Isn’t Covered

  • Most Homeowners and Business insurance policies do not cover damage from earthquake, land tremors, landslide, lahars (mudflow) or other earth movement regardless of whether or not the quake is caused by or causes a volcanic eruption.
  • Coverage for lahars (mudflow) is most often covered under a Flood Insurance Policy through the National Flood Insurance Program (NFIP) and some private insurance companies. If an earthquake caused the lahar, an Earthquake Policy may offer coverage as well. Property owners may also seek coverage for landslides and mudflow under a “difference in conditions” policy, typically available through specialty or “surplus lines” insurers and brokers. Ask your insurance agent or company for details.
  • Earthquake coverage is usually available either by endorsement for an additional charge or by purchasing a separate earthquake policy. Most insurance companies will not issue earthquake policies during or immediately after an earthquake.
  • Flood damage is not covered under a typical homeowners insurance policy, even if flooding was caused by a volcano eruption. Flood coverage is available through the NFIP and some private insurance companies.
  • Damage to land, trees, shrubs, lawns, property in the open, open sheds or the contents of those open sheds typically are not covered, though it is a good idea to report the contents of such outbuildings to your insurer to see if those items could be included in a standard homeowners policy.

What To Do

  • Unless necessary to evacuate from a disaster area, avoid prolonged driving in airborne or accumulated volcanic ash. Volcanic ash or dust can cause severe damage to your engine.
  • If your vehicle is exposed to heavy volcanic ash, change your air filter and have your vehicle checked by a qualified auto mechanic as soon as possible.
  • Do not wipe or brush the ash or dust that accumulates on your vehicle or windows. Volcanic ash is very abrasive and can easily scratch your vehicle. Carefully wash the ash from your vehicle with a stream of water from a garden hose.
  • Remove ash from your vehicle as soon as it is safe to do so. Prolonged exposure to volcanic ash and dust can chemically damage the paint and glass.
  • Remove ash and dust from the roof of your home as soon as it is safe to do so. Ash is heavy and can cause damage to your roof or gutters if allowed to accumulate.

The Northwest has a wide variety of natural disaster risks – volcanoes, earthquake, flooding, tsunami, wildfire, landslide, severe windstorms and freezing weather.  Fortunately, you don’t need separate preparedness plans for each type of potential natural disaster.  You can put together a comprehensive plan that considers all of your risks. For more information about disasters in the Pacific Northwest and how to prepare, visit our Disaster Preparedness page.

View All Posts