Earth Movement And Soil Related Damage

Earthquake, landslide, mudflow, and many forms of earth movement are commonly excluded. In some areas, sinkhole coverage may be limited or require a specific endorsement, and settling or cracking from soil conditions may be treated as earth movement or maintenance. Homeowners often discover this after foundation cracks, retaining wall failure, or shifting slabs. If your region has these risks, ask for earthquake or specialized endorsements.