Is this an insured event? #homeinsurance #insurance #farminsurance

2This was the scene at a vineyard located in northern Italy. Two boulders fell away from high up in the mountain and rolled down the hillside. One in particular caused significant damage to the garage attaching to the farm house, the land itself and some of the vine trellis. The second stopped just short of the house and very near the family  sport utility vehiche (“SUV”). You will see a third boulder that I assume came down many years before as the vineyard had been built around it.

Would the damage to the house and garage be covered by an Australian home and or farm policy. Unless it occurred during an earthquake or under some policies within 72 hours of a storm then the answer is no.

A typical exclusion reads:

Excludes (a) earth movement (b) erosion unless the loss or damage is the result of a tsunami, Includes landslide and subsidence as a result of earthquake or explosion storm or flood including rainwater or wind or escape of liquid from a fixed pipe or an object attached to a pipe fixed gutter fixed tank or a drain occurring within 72 hours of the event.”

The second boulder stopped just short of the house, blocking the drive and narrowly missing a vehicle.

The second boulder stopped just short of the house, blocking the drive and narrowly missing a vehicle.

Having said this, such a fall is usually triggered by some event but sometimes something small such as an animal borrowing under the boulder may be the final straw that sends it down the hill. It would be important to check both seismological and weather data before making a final decision.

Looking at the peril of impact, the cover typically is for impact by vehicles, aircraft, animals or tree branches. Not rocks.

It would be a different story if the car had been in the path of either boulder. The damage would be covered under a typical comprehensive motor policy.

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