Earth-movement exclusion ruled applicable only to natural events
The insureds in this Florida case had an "all-risk" homeowners policy. While it was in effect, the insureds reported a loss for structural damage to their home and damage to personal property that they said resulted from nearby blasting activities.
The carrier denied the claim and requested summary judgment on the basis of the policy's earth-movement exclusion. In the exclusion, the peril was defined as follows:
"Earth movement, earthquake, including land shock waves or tremors before, during or after a volcanic eruption; landslide; mine subsidence; mudflow; earth sinking, rising or shifting…"
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