{"id":4591,"date":"2014-08-06T06:14:02","date_gmt":"2014-08-06T12:14:02","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=4591"},"modified":"2014-08-05T13:14:51","modified_gmt":"2014-08-05T19:14:51","slug":"california-monsoonal-weather-brings-mud-property-damage-southern-california-covered-damage","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/california-monsoonal-weather-brings-mud-property-damage-southern-california-covered-damage\/","title":{"rendered":"California Monsoonal Weather Brings Mud Property Damage to Southern California, But Is It Covered Damage?"},"content":{"rendered":"<p>Denise Sze &#8211; August 5, 2014<\/p>\n<p>The last few weeks has seen unseasonably humid weather in our arid Southern California climate. It\u2019s uncharacteristic for our climate to have high humidity. Last week the monsoonal thunderstorms brought a great tragedy as a young man on the beach of Venice died from a lightning strike off the pier. This last weekend brought bands of intensely heavy rain. In some places the rain was so sudden and so hard that we\u2019ve had a several inches pour down in a few hours. It\u2019s never good to have such strong, sudden downpours when we\u2019ve been in such a drought as there is no place for the water to go but rush downhill. In particular, the mountain communities have suffered from these flash floods bringing mudslides, which block roads and bury vehicles and homes.<\/p>\n<p>As I watched these terrible images on our local news broadcasts, I realized that many of these homeowners will be left in a bad financial predicament. For many, their normal homeowner\u2019s insurance will not be covering such damage. Mud related damage is often excluded. When we characterize mud related damage we are referring to mudslides and mudflows (yes, there is a difference). Generally a mudslide is considered earth movement of land and rock sliding down a hill and is outside of a normal homeowner\u2019s policy. To have this loss covered, a homeowner usually needs a separate earthquake policy that covers personal and property damage from earth movement. A mudflow is equally serious, but is defined as more of a watery stream of mud. We tend to think of mudflows as being caused by sudden snow thawing or heavy rain downpours. Most of the time, in order to have coverage for mudflow damage it\u2019s imperative to purchase a separate policy for flood insurance.<\/p>\n<p>In mountain areas, it may seem strange that homeowners need flood coverage as they are not within \u201cflood plains\u201d. When we think of flooding as rising waters, the coverage in mountain areas doesn\u2019t seem to make sense, but it\u2019s important if the home is in the pathway of rain runoff. Although rare, instances such as this last week of monsoonal weather is a wake-up call to insureds in Southern California to check with their brokers and agents and see if their homes are adequately protected in years such as these when the weather patterns change and cause damage. After all, meteorologists are predicting an El Nino year and if it\u2019s anything like those rains back in 1997, we are looking at constant rain, winds, and flooding.<\/p>\n<p>via <a href=\"http:\/\/www.propertyinsurancecoveragelaw.com\/2014\/08\/articles\/insurance\/california-monsoonal-weather-brings-mud-property-damage-to-southern-california-but-is-it-covered-damage\/index.html\">California Monsoonal Weather Brings Mud Property Damage to Southern California, But Is It Covered Damage? : Property Insurance Coverage Law Blog<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Denise Sze &#8211; August 5, 2014 The last few weeks has seen unseasonably humid weather in our arid Southern California climate. It\u2019s uncharacteristic for our climate to have high humidity. Last week the monsoonal thunderstorms brought a great tragedy as a young man on the beach of Venice died from a lightning strike off the&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/california-monsoonal-weather-brings-mud-property-damage-southern-california-covered-damage\/\">Continue reading <span class=\"screen-reader-text\">California Monsoonal Weather Brings Mud Property Damage to Southern California, But Is It Covered Damage?<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[3],"tags":[851,3,56],"class_list":["post-4591","post","type-post","status-publish","format-standard","hentry","category-insurance-claims","tag-california-mudslides","tag-insurance-claims","tag-property-damage","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>California Monsoonal Weather Brings Mud Property Damage to Southern California, But Is It Covered Damage? - Advise &amp; Consult, Inc.<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/california-monsoonal-weather-brings-mud-property-damage-southern-california-covered-damage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"California Monsoonal Weather Brings Mud Property Damage to Southern California, But Is It Covered Damage? - Advise &amp; Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"Denise Sze &#8211; August 5, 2014 The last few weeks has seen unseasonably humid weather in our arid Southern California climate. It\u2019s uncharacteristic for our climate to have high humidity. Last week the monsoonal thunderstorms brought a great tragedy as a young man on the beach of Venice died from a lightning strike off the&hellip; Continue reading California Monsoonal Weather Brings Mud Property Damage to Southern California, But Is It Covered Damage?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.myconstructionexpert.com\/blog\/california-monsoonal-weather-brings-mud-property-damage-southern-california-covered-damage\/\" \/>\n<meta property=\"og:site_name\" content=\"Advise &amp; Consult, Inc.\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/\" \/>\n<meta property=\"article:published_time\" content=\"2014-08-06T12:14:02+00:00\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@adviseconsult\" \/>\n<meta name=\"twitter:site\" content=\"@adviseconsult\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/california-monsoonal-weather-brings-mud-property-damage-southern-california-covered-damage\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/california-monsoonal-weather-brings-mud-property-damage-southern-california-covered-damage\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7\"},\"headline\":\"California Monsoonal Weather Brings Mud Property Damage to Southern California, But Is It Covered Damage?\",\"datePublished\":\"2014-08-06T12:14:02+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/california-monsoonal-weather-brings-mud-property-damage-southern-california-covered-damage\/\"},\"wordCount\":469,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\"},\"keywords\":[\"California Mudslides\",\"Insurance Claims\",\"property damage\"],\"articleSection\":[\"Insurance Claims\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/california-monsoonal-weather-brings-mud-property-damage-southern-california-covered-damage\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/california-monsoonal-weather-brings-mud-property-damage-southern-california-covered-damage\/\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/california-monsoonal-weather-brings-mud-property-damage-southern-california-covered-damage\/\",\"name\":\"California Monsoonal Weather Brings Mud Property Damage to Southern California, But Is It Covered Damage? - Advise &amp; Consult, Inc.\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#website\"},\"datePublished\":\"2014-08-06T12:14:02+00:00\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/california-monsoonal-weather-brings-mud-property-damage-southern-california-covered-damage\/\"]}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#website\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/\",\"name\":\"Advise &amp; Consult, Inc.\",\"description\":\"Construction Expert Witnesses\",\"publisher\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.myconstructionexpert.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\",\"name\":\"Advise & Consult\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/wp-content\/uploads\/2015\/11\/AC-Red-Logo.png\",\"contentUrl\":\"https:\/\/www.myconstructionexpert.com\/blog\/wp-content\/uploads\/2015\/11\/AC-Red-Logo.png\",\"width\":162,\"height\":75,\"caption\":\"Advise & Consult\"},\"image\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/\",\"https:\/\/x.com\/adviseconsult\",\"https:\/\/www.linkedin.com\/company-beta\/204526\/\",\"https:\/\/www.youtube.com\/user\/MrConstructionExpert\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/b01e71b7acadd7657af782b7ad1a30cc?s=96&d=mm&r=pg\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/b01e71b7acadd7657af782b7ad1a30cc?s=96&d=mm&r=pg\",\"caption\":\"admin\"},\"sameAs\":[\"http:\/\/www.expertwitnessinconstruction.com\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"California Monsoonal Weather Brings Mud Property Damage to Southern California, But Is It Covered Damage? - Advise &amp; Consult, Inc.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.myconstructionexpert.com\/blog\/california-monsoonal-weather-brings-mud-property-damage-southern-california-covered-damage\/","og_locale":"en_US","og_type":"article","og_title":"California Monsoonal Weather Brings Mud Property Damage to Southern California, But Is It Covered Damage? - Advise &amp; Consult, Inc.","og_description":"Denise Sze &#8211; August 5, 2014 The last few weeks has seen unseasonably humid weather in our arid Southern California climate. It\u2019s uncharacteristic for our climate to have high humidity. Last week the monsoonal thunderstorms brought a great tragedy as a young man on the beach of Venice died from a lightning strike off the&hellip; Continue reading California Monsoonal Weather Brings Mud Property Damage to Southern California, But Is It Covered Damage?","og_url":"https:\/\/www.myconstructionexpert.com\/blog\/california-monsoonal-weather-brings-mud-property-damage-southern-california-covered-damage\/","og_site_name":"Advise &amp; Consult, Inc.","article_publisher":"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/","article_published_time":"2014-08-06T12:14:02+00:00","author":"admin","twitter_card":"summary_large_image","twitter_creator":"@adviseconsult","twitter_site":"@adviseconsult","twitter_misc":{"Written by":"admin","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.myconstructionexpert.com\/blog\/california-monsoonal-weather-brings-mud-property-damage-southern-california-covered-damage\/#article","isPartOf":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/california-monsoonal-weather-brings-mud-property-damage-southern-california-covered-damage\/"},"author":{"name":"admin","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7"},"headline":"California Monsoonal Weather Brings Mud Property Damage to Southern California, But Is It Covered Damage?","datePublished":"2014-08-06T12:14:02+00:00","mainEntityOfPage":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/california-monsoonal-weather-brings-mud-property-damage-southern-california-covered-damage\/"},"wordCount":469,"commentCount":0,"publisher":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#organization"},"keywords":["California Mudslides","Insurance Claims","property damage"],"articleSection":["Insurance Claims"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.myconstructionexpert.com\/blog\/california-monsoonal-weather-brings-mud-property-damage-southern-california-covered-damage\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.myconstructionexpert.com\/blog\/california-monsoonal-weather-brings-mud-property-damage-southern-california-covered-damage\/","url":"https:\/\/www.myconstructionexpert.com\/blog\/california-monsoonal-weather-brings-mud-property-damage-southern-california-covered-damage\/","name":"California Monsoonal Weather Brings Mud Property Damage to Southern California, But Is It Covered Damage? - Advise &amp; Consult, Inc.","isPartOf":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#website"},"datePublished":"2014-08-06T12:14:02+00:00","inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.myconstructionexpert.com\/blog\/california-monsoonal-weather-brings-mud-property-damage-southern-california-covered-damage\/"]}]},{"@type":"WebSite","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#website","url":"https:\/\/www.myconstructionexpert.com\/blog\/","name":"Advise &amp; Consult, Inc.","description":"Construction Expert Witnesses","publisher":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.myconstructionexpert.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#organization","name":"Advise & Consult","url":"https:\/\/www.myconstructionexpert.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.myconstructionexpert.com\/blog\/wp-content\/uploads\/2015\/11\/AC-Red-Logo.png","contentUrl":"https:\/\/www.myconstructionexpert.com\/blog\/wp-content\/uploads\/2015\/11\/AC-Red-Logo.png","width":162,"height":75,"caption":"Advise & Consult"},"image":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/","https:\/\/x.com\/adviseconsult","https:\/\/www.linkedin.com\/company-beta\/204526\/","https:\/\/www.youtube.com\/user\/MrConstructionExpert"]},{"@type":"Person","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/b01e71b7acadd7657af782b7ad1a30cc?s=96&d=mm&r=pg","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b01e71b7acadd7657af782b7ad1a30cc?s=96&d=mm&r=pg","caption":"admin"},"sameAs":["http:\/\/www.expertwitnessinconstruction.com"]}]}},"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p2ztG6-1c3","jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/4591","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/comments?post=4591"}],"version-history":[{"count":0,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/4591\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/media?parent=4591"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/categories?post=4591"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/tags?post=4591"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}