Homes in a Rock Slide Area

Mountains, hills, and rock formations can make for a beautiful landscape and wonderful place to call home. Many people love to live in areas like this because it gives them the feeling of being surrounded and protected by these magnificent wonders of nature. However, what they do not often consider is that they may actually live in homes in a rock slide area. And, unfortunately, rock slides can cause significant damage to any home that they encounter.

A rock slide or landslide is when pieces of the earth like rocks or mud literally slide down the side of an elevated point like a mountain or hill. This usually happens after a strong storm or rainfall, earthquake, or after construction has recently been done in the area. A rock slide can vary in both size and speed and therefore the damage that they cause can vary greatly as well which makes natural disaster home insurance very important. If you own a home in an area that could have a rock slide, you should make sure that you have the necessary insurance coverage just in case a rock slide occurs.

Earthquake Coverage

Most homeowners insurance policies do not cover damage done by a rock slide because it is considered a movement of the earth. Because of this, residents who live in an area with potential landslides should always carry an additional earthquake policy. If you do not live in an area that often gets earthquakes you may find this confusing. But, an earthquake policy actually will cover your home from any damage that is caused by any movement of the earth and this includes a rock slide or landslide as well. This is why it may be important to have earthquake coverage even in an area that may never seen an earthquake.

If you do live in an area where a rock slide could occur and cause damage to your home but you are not likely to see an earthquake hit, your insurance company many not be familiar with such policies. If this is the case, stress the importance of having earthquake and ultimately rock slide coverage with your local agent. They may be able to craft an additional policy to meet this need. If they are not, shop around and check with other carriers to ensure that you are properly covered. You do not want to wait until it is too late and the damage is already done.

Building in a Rock Slide Area

If you are looking to build a home, it is best to not build near an edge or a steep slope of a mountain or a hill. You should also get a ground assessment of the prospective property to be sure that it is stable and does not have a history of sliding or shifting. You should also evaluate the drainage patterns after a storm to note the best place to build your new home on the property. You can also reduce the impact of such a disaster by building adequate retaining walls and installing flexible pipe fittings. By planning ahead, you can help to protect your home from a possible rock slide.

The best way to protect homes in a rock slide area is to make sure that you carry earthquake coverage in your homeowners policy. And, you can do additional things like build a retaining wall to minimize the damage should a rock slide occur. This will help direct the flow of water and minimize erosion near your property. By having adequate insurance coverage and by using rock slide prevention techniques you can have peace of mind.

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