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Bailey Guns
02-07-2020, 21:07
At some time this morning, after we received almost 2 3/4" of rain in the last 36 hours, the hillside below our (actually, my ex's) driveway gave way and a huge amount of rock and mud slid into mostly the backyard, partially into a corner of the shop and into the side of a 10'x12 garden shed. The portion of the hillside that gave way was probably about 60' wide, 30' high and 15' deep into the hillside. Needless to say, the back yard is a mess. Appears to be minimal damage to the shop and garden shed.

The side effect of the mudslide is it redirected a ton of water to the front of the house. It was flowing under the front porch from one side and not coming out the other. Not sure where it's going. It's possible there's a drain under the front porch we don't know about. The guy who built the place put a lot of pretty effective drains around the property. It took several hours of the two of us digging with just shovels in 2' of mud to create channels to redirect the water from the front of the house. But, we finally did it.

However, a small amount of water did enter the basement and created some fairly minor damage in the utility room. It was confined to that room for the most part but some water did seep under a wall into one of the bedrooms. Carpet is slightly damp in a very small spot.

Naturally, this is one of those things insurance doesn't cover.

A potentially bigger problem is another slide area on the access road to our property and one other home above us. It gave way all the way over to the edge of the travel portion of the road. Any more and it's going to take some major work with heavy equipment to excavate a jog in the hillside to keep the road passable.

This all happened on the day before I'm leaving for OK. Just to be on the safe side I took the fully loaded 26' U-Haul truck down to my neighbor's place. I wasn't sure I'd be able to get it out tomorrow. I still have my pickup/flatbed trailer to get out so I'm hoping there's still a road in the morning.

It's a lot for the ex to handle by herself. But I close on my house on Tues and have to be there. Not a lot I could do anyway. This is beyond my ability to fix, unfortunately.

The first thing people always say when I tell them I'm going to OK is "tornado". Well, this is just proof shit can happen anywhere.

I'll post up some pictures as soon as I can. It's a mess.

CS1983
02-07-2020, 21:11
Not your goats. Not your rodeo. Eh?

Bailey Guns
02-07-2020, 21:17
I'd be lying if I said that didn't cross my mind. I still feel badly for her.

00tec
02-07-2020, 21:17
I take it that the Deere is already gone?

Timing of this kinda stuff sucks.

Duman
02-07-2020, 22:00
I'd be lying if I said that didn't cross my mind. I still feel badly for her.

You're a good man. Your secret is safe with us.

Bailey Guns
02-07-2020, 22:01
Yep...sold the tractor two weeks ago. This is pretty much more than that tractor could handle anyway.

Some photos:

https://i.imgur.com/XXrhe7p.jpg

https://i.imgur.com/02TEg6h.jpg

https://i.imgur.com/85xDP5Q.jpg

https://i.imgur.com/CpqNAek.jpg

https://i.imgur.com/2lGxe5y.jpg

https://i.imgur.com/u3jUYfL.jpg

https://i.imgur.com/eE3iPLh.jpg

https://i.imgur.com/NAfec6S.jpg

https://i.imgur.com/vb9hQoG.jpg

https://i.imgur.com/jZkfJyQ.jpg

https://i.imgur.com/ZlN9DWE.jpg

https://i.imgur.com/uIVEwJK.jpg

Irving
02-07-2020, 22:41
That's a bummer no matter who it happens to. I will say though, that I've sold properties where neither the seller (me), nor the buyer was there in person.

BushMasterBoy
02-08-2020, 01:31
I would be panning that stuff with my gold pan. You never know.

Duman
02-08-2020, 09:15
Wow! That is a LOT of material.

Great-Kazoo
02-08-2020, 09:18
Is that rain, or tears, coming off Your former Garage?

Gman
02-08-2020, 09:42
I'm not sure why insurance wouldn't cover water coming into the basement from the outside.

... but life is what happens when you make plans.

ETA: I have to wonder if there will be more appreciation for what you took care of in the relationship after you're gone.

Irving
02-08-2020, 13:31
Because ground water is specifically excluded. In every policy I've ever read anyway.

Gman
02-08-2020, 14:20
If the water hit the ground from heavy rainfall and then intruded into the home, how does that make it "ground water"?

Irving
02-08-2020, 15:45
You already answered that in your question.

Gman
02-08-2020, 18:39
Storm runoff is different from "ground water".

Surface Water Exclusions in the Homeowners Policy (https://www.irmi.com/articles/expert-commentary/surface-water-exclusions-in-the-homeowners-policy)Managing the Risks of Groundwater Damage (https://www.irmi.com/articles/expert-commentary/managing-groundwater-damage-risk)

Irving
02-08-2020, 18:57
That's good, but not applicable to this situation. May be coverage for landslide, but that's out of the scope of my direct experience.

As the the very specific situation that you posted, each state handles those issues differently. Some states, if you regrade your yard in a manner that floods your neighbors, you are liable for the damage (still not necessarily covered by insurance), other states tell you it's your neighbor's problem.