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Landslides occur in all fifty states and cause approximately $3.5 billion in property damage annually. Yet, in America, "all risk" homeowners and commercial property insurance policies exclude coverage for landslides, and there is only limited availability of expensive, stand-alone "named peril" insurance policies that cover landslide losses. Consequently, the affected homeowners are often left financially devastated-homeless with a mortgage to pay on an unsaleable piece of property. Thisdoi:10.2139/ssrn.2566238 fatcat:kcutlwmzffcvdo4ucux77b2jfq