Posted by: Mackenzie (D/D) - 03.28.2017 - 10:18 am
While flooding, strong wind, and lightning can occur as a result of severe storms, mudflows can also cause a multitude of problems for home and business owners. Contrary to popular belief, mudflows are not the same as mudslides. According to the Insurance Information Institute (III), mudflows are “basically a river of mud.” On the other hand, mudslides “typically don't contain enough liquid to seep into your home.”
Here are a few questions we frequently get about mudflows as it pertains to home or business insurance:
What is Mudflow?
Encyclopedia Britannica defines mudflows as “flow of water that contains large amounts of suspended particles and silt.” The high water content in a mudflow can allow water to enter your residence or place of business. These floods can cause thousands of dollars in damage.
Is Mudflow Covered by Standard Policies?
Standard home and business insurance policies do not cover mudflow. However, flood insurance typically does. You must purchase flood insurance separately. Mudflow coverage is just another great reason to add flood coverage today.
Flood insurance is simple to add to your coverages. It can cost very little and yet save you lots of money if a flood or mudflow hits your home. Don’t live near a body of water? You can
(and should) get flood insurance too.
Does Mudflow Insurance Cover Landslides Too?
Although mudflows and landslides seem similar, they are not treated the same in the insurance world. Because mudflows are associated with water and flood damage, they are covered under flood insurance.
However, landslides and mudslides do not have enough water to seep into your home. As such, they are not covered by flood insurance. Landslides are considered “earth movement” disasters, much like earthquakes. Talk to your agent to discuss the necessary types of coverage today.
What About My Car?
If you have comprehensive coverage on your vehicle, you don’t need to add anything additional to your auto insurance policy. However, if you do not have comprehensive coverage, mudflows are just another great reason to add it.
All insurance portfolios are unique to the owner. If you have questions about how well you are protected from mudflow, be sure to talk to your Goosehead agent today.
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