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A federal district court in Colorado has ruled that a “broadexclusion” for earth movement in a homeowner’s insurance policy precluded coveragefor damage that resulted when a large rock detached from a cliffand struck and damaged the insured's home.

Homeowner's insurance claim denied


On April 20, 2016, a large rock detached from a cliff face roughly1/4 mile from the home owned by John and Arlene Bulinski nearOuray, Colorado, striking their home, breaking through the southwall and first floor, and lodging in the basement.

The Bulinskis made a claim under the homeowners’ insurancepolicy they had acquired from State Farm Fire and CasualtyCompany.

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