Earth Movement
Ground shifts like earthquakes, landslides, sinkholes, or soil erosion that can damage homes.
Detailed Explanation
Most standard homeowners insurance policies exclude damage from earth movement, requiring separate coverage or endorsements. The exclusion helps insurers manage catastrophic risk in areas prone to these events.
Practical Example
When an earthquake damaged the foundation of David's California home, he discovered that his standard homeowners policy didn't cover the repairs, but the separate earthquake policy he had purchased did provide coverage for the damage.
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