Washington homeowners — do you actually know if your house is covered if Mount Rainier erupts?

If you live anywhere near Mount Rainier, the biggest risk to your home probably isn’t lava… it’s something called a lahar.

And the way insurance treats that kind of damage can get a little complicated.

A lahar is basically a fast-moving river of mud made up of water, dirt, rocks, and debris rushing down river valleys.

And this isn’t just a little mud in the yard.

Something like that can bury homes in debris, fill the first floor of houses, move cars, and even damage foundations. In some cases the damage can be severe enough that the home becomes a total loss.

Now here’s the part most homeowners don’t realize.

Standard homeowners insurance usually doesn’t cover flooding.

So if that mud is carried by water like a flood, you would typically need a separate flood insurance policy.

And this is exactly the kind of thing I like to walk families through when we review their coverage.

If you want to know where your coverage might leave you exposed,
Click HERE and I’ll do a free risk assessment.