Insurance And Volcano Damage

Most homeowners and auto insurance policies cover you from some damage related to a volcanic eruption. However, there are exceptions, and you may need additional coverage to address damage from resulting earthquakes or floods.

What Is Covered?

• Most homeowners policies provide coverage for property loss caused by volcanic eruption when it is the result of a volcanic blast, airborne shock waves, ash, dust, or lava flow. Fire or explosion resulting from volcanic eruption also is covered.
• Direct, sudden damage to your vehicle is covered under most automobile insurance policies if you have comprehensive coverage at the time of the loss.
• A vehicle accident that happens during or after a volcanic eruption would be covered under the terms of your policy, like any other accident.

What Isn't Covered

• Most homeowners insurance policies do not cover damage from earthquake, land tremors, landslide, mudflow, or other earth movement regardless of whether or not the quake is caused by or causes a volcanic eruption. Earthquake coverage is usually available either by endorsement for an additional charge or by purchasing a separate earthquake policy. Most insurance companies will not issue earthquake policies during or immediately after an earthquake.
• Flood damage is not covered under a typical homeowners insurance policy. Flood insurance is available through the National Flood Insurance Program, provided the policy is in force prior to a flood.
• Damage to land, trees, shrubs, lawns, property in the open, open sheds, or the contents of those open sheds are typically not covered.
• Expenses incurred for preventive measures are not covered under either the auto or homeowners policy.
• The cost to remove ash from personal property is generally not covered unless the ash first causes direct physical loss to personal property. There is no coverage to remove ash from the surrounding land or landscaping.
• Most policies do not cover damage that occurs to homes or vehicles over time due to volcanic dust or ash.
• Wear and tear from any circumstance is generally not covered.