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Turmoil ahead. Episodes of judicial and executive insurance policy broadening are likely to increase in number and frequency.  (Photo: Shutterstock)

The year 2018 was tumultuous for the property insurance industry in California. The year started with devastating mudslides in Los Angeles and Santa Barbara Counties as torrential rainfall followed close on the heels of the Thomas Fire of late 2017.

In an unexpected move, the Insurance Commissioner determined that the losses from the mudslides would be covered on the property policies as fire losses (in his estimation the wildfire was the proximate cause of the mudslide). This sort of policy broadening is not unheard of following catastrophic losses.

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