Insurance 101 – Chapter 9 – Volume 49 – Disasters


An insurance contract is to be interpreted as are other contracts, consistent with a reasonable understanding of the terms. Unambiguous language of exclusion was used by State Farm in the present case. The circuit judge found that there was no liability for damages regardless of whether nature-caused or human-source earth shifting was the reason for the damage.

The following video was adapted from my book, “Insurance Claims A Comprehensive Guide” Published by the National Underwriter Company and is available at the Zalma Insurance Claims Library

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