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California Commissioner Alert Notes Coverage for Floods and Mudslides Caused by Wildfires

January 5, 2023

California Insurance Commissioner Ricardo Lara on Wednesday issued a formal notice to insurance companies reminding them of their legal duty to cover damage from any future mudslide or similar disaster that is caused by recent wildfires that weakened hillsides, as powerful winter storms continue to increase the threat of mudslides in wildfire burn areas.

Homeowners’ and commercial insurance policies typically exclude flood, mudslide, debris flow, and other similar disasters unless they are directly or indirectly caused by a recent wildfire or another peril covered by the applicable insurance policy.

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