State Supreme Court Cases Highlight Importance of Wording in Earth Movement Exclusions

The West Virginia Supreme Court recently held that an insurance policy’s exclusion for loss resulting from earth movement “caused by an act of nature or is otherwise caused” unambiguously excluded coverage for property damage resulting from a landslide that resulted, at least in part, from manmade causes.  This result is significantly different from an older Florida Supreme Court case, which held that an earth movement exclusion that did not unambiguously exclude manmade earth movement did not bar coverage for a similar loss.  The holdings illustrate the importance of reading policy exclusions carefully, as small changes in language can drastically change the scope of insurance coverage.

Click here to learn more about these decisions.

Hannah Austin for web ps

Jun 15, 2017

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