A Costly Surprise: Landslide Damage Falls Outside Standard Coverage

A landslide on Carlsam Drive in Irondequoit has left homeowners facing more than just shifting ground—it’s exposed a major gap in insurance coverage. Triggered by heavy rain, the slide forced at least one family to evacuate and continues to pose risks to nearby homes.

Many residents were surprised to learn that standard homeowners insurance typically doesn’t cover landslides, as they fall under “earth movement” exclusions. Without specialized coverage, the financial burden can be significant.

As officials monitor the situation, homeowners are now exploring limited aid options and rethinking how prepared they really are for unexpected disasters.

Insurance expert weighs in on Irondequoit landslide, says coverage is usually excluded