This story is reprinted with permission from FC&&S Legal, the industry’s only comprehensive digital resource designed for insurance coverage law professionals. Visit the website to subscribe.
A federal district court in Colorado has ruled that a “broad exclusion” for earth movement in a homeowner’s insurance policy precluded coverage for damage that resulted when a large rock detached from a cliff and struck and damaged the insured's home.
Homeowner's insurance claim denied
On April 20, 2016, a large rock detached from a cliff face roughly 1/4 mile from the home owned by John and Arlene Bulinski near Ouray, Colorado, striking their home, breaking through the south wall and first floor, and lodging in the basement.
The Bulinskis made a claim under the homeowners’ insurance policy they had acquired from State Farm Fire and Casualty Company.
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