The "Earth Movement Exclusion" (Exposures and Coverages‪)‬

You may not have felt it, but there's been a lot of movement in the property insurance earth movement endorsement. The New York Standard Fire Insurance Policy (also referred to as "165-lines"), which was the basic form for property insurance until the 1980s, makes no mention of earthquake, much less earth movement. Even the extended coverage endorsement is silent on the question. These were named-peril policies and, since earthquake or earth movement were not covered perils; there was no need to exclude them. (Fire resulting from an earthquake is covered. The fires started by the 1906 San Francisco earthquake bankrupted at least 14 fire insurance companies.)