Insurance policies commonly contain an exclusion for losses caused by “earth movement” or “subsidence.” Such exclusions typically exclude coverage for losses caused by earthquakes, landslides, mudflows, and earth sinking or shifting. Absent language to the contrary, “[e]arth movement exclusions are often interpreted to refer to only natural, non-human events.” See, e.g., El-Ad Group v. Northbrook… Continue reading I Feel the Earth Move: Subsidence Exclusion Bars Coverage