Mudslide damage Crews pump mud on Highway 101 after a mudslide on Saturday, Jan. 13, 2018, in Montecito, Calif., a town usually known for its serenity and luxury. (Photo: AP)

Filing a homeowners insurance claim can often seem like a vocabulary lesson as slightly different terms for what looks like a coverable occurrence can mean the difference between whether or not an event is covered by insurance.

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