You can learn about eruption risks in your area by visiting the United States Geological Survey Volcano Hazards Program, which posts up-to-date information about volcanic activity, including a color-coded risk assessment system for individual volcanoes. If you live within 20 miles of a volcano, take a moment to find out more about how your family can prepare for and respond to a volcano eruption.
Review your homeowners insurance policy, renters insurance policy, or auto insurance policy to understand coverages for property loss caused by volcanic eruption when it’s the result of a volcanic blast, airborne shock waves, ash, dust or lava flow. Also check to see how fire or explosion resulting from volcanic eruption might be covered.
It’s extremely helpful to have a home inventory and to make sure your stuff is covered. To learn more, contact your insurance agent.
What might be covered from property loss caused by a volcanic eruption
- 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 crash that happens during or after a volcanic eruption would be covered under the terms of your policy, like any other crash.
What might not be covered from property loss caused by a volcanic eruption
- 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 won’t issue earthquake policies during or immediately after an earthquake.
- Flood damage isn’t covered under a typical homeowners insurance policy. Flood insurance is available through the National Flood Insurance Program, as long as the policy is in force prior to a flood.
- Check with your insurance agent or insurance carrier to determine if damage from volcanic action is covered by your policy.
- 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. There is no coverage to remove ash from the surrounding land or landscaping.
- Most policies don’t 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.
If you are concerned about property loss from volcanic activity, contact your insurance agent today.
