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The insured has a dwelling policy with earthquake coverages.

Our insured suffered a loss due to an earthquake on December 24, 2010. The land where the property sits cracked in various areas very close to the house. The house itself did not suffer any damage at all.

On August 22, 2011 tropical storm Irene hit the island of Puerto Rico and due to intense rain the land flooded and caused the terrain to shift, opening the cracks even more, making the house uninhabitable because it could collapse in any moment.

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