Aspen Claims Service

California Commissioner: Mudlside Damage Should Be Covered Under Efficient Proximate Cause Doctrine

 Tuesday, January 30, 2018


Montecito residents who are hoping that insurance will cover damage to their homes from recent mudslides received a word of support from an important ally on Monday. California insurance commissioner Dave Jones issued a notice to insurers outlining his office’s position that they should be on the hook for that damage. Most homeowners’ insurance policies exclude coverage for mudslides. But they do cover fire-related damage. And Jones said under California law, when the facts on the ground show that a fire is the "efficient proximate cause" of a mudslide, that damage should be covered.