Our insured has suffered damage during a heavy windstorm to ornamental rock formations and gravel garden paths. The wind blew some of the gravel away, and also blew sand and other debris into the rock formations and onto the gravel paths. Cleaning up the debris and redoing the paths was a considerable expense. Is this covered as damage to "other structures" under homeowner coverage B, or excluded as "land"?

California Subscriber

A

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