TX 3.0 hours Floods and other Natural Hazards - Course Syllabus
3.0 Elective Hours
To mitigate a possible landslide, do not build near steep slopes, close to mountain edges, near drainage ways, or natural erosion valleys. Get a ground assessment of the property. Contact local officials, state geological surveys or departments of natural resources, and university departments of geology. Landslides occur where they have before, and in identifiable hazard locations.
Ask for information on landslides in the area and specific information on areas vulnerable to landslides, and request a professional referral for a very detailed site analysis of your property, and corrective measures if necessary.
Watch the patterns of storm-water drainage near the property, and note the places where runoff water converges, increasing flow in channels. These are areas to avoid during a storm.
A standard homeowner policy will not cover damage caused by land movement or a landslide due to rain runoff, snowmelt, flooding, and earthquakes. But, there are a couple of options. Content coverage is a special rider for your homeowner policy that includes coverage for the contents of your home from all perils, including earth movement. This rider only covers contents, not the structure. Separate earth-movement coverage includes structures, such as your house or any other unattached buildings on your property. It's commonly called a "Difference in Conditions" policy. Differences in Conditions policies include coverage for landslide, mudflow, earthquake, and flood.
Upon course completion, the real estate professional will be able to describe landslide mitigation and insurance protection to better inform their client.