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Coverage of Flood, Mudslide and Earth Movement Claims and the "Efficient Proximate Cause" Doctrine

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by Nicole Zayac
FORC Journal of Insurance Law and Regulation
Summer 2018

In the past year, California faced wildfires and subsequent heavy rains, resulting in floods, mudslides and other earth movement that caused significant property loss. By way of example, January mudslides in Montecito, near Santa Barbara, destroyed or damaged more than 400 homes and businesses and killed 21 people in an area devastated by the record-breaking Thomas Fire the month before. To no one's surprise, the events in Montecito have led to a number of insurance claims.

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