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Thread: Could decorative rocks cause insurance cancellation?

  1. #1
    New User Level 0
    Join Date
    Oct 2015

    Default Could decorative rocks cause insurance cancellation?

    Our home's smallish back yard has a river rock dry creek bed cutting through the lawn, installed by the former owner to deal with drainage issues. The river rock creek bed is flanked by about a dozen large "decorative rock" boulders. Needing to fix some aspects of this system, we had an excavator look it over. His recommendation was to remove it and replace it with a swale, saying, among other things, that if an insurance inspector saw these boulders sticking out of our lawn, he might want our homeowners insurance cancelled. He claims to know of instances where this happened.

    Since river rock dry creek beds seem a ubiquitous solution to drainage issues (the method being lauded all over the web) it never occurred to us there might be an insurance issue. Is there? I have Googled homeowners insurance boulders river rock dry creek bed accident and variants and found no links to support the excavator's claim. Is he right or wrong?

  2. #2
    Super Moderator
    Level 10
    xrac's Avatar
    Join Date
    Sep 2009


    I think he is wrong unless there is some type if stability issue where they could be dislodged and roll.
    Last edited by xrac; 09-05-2016 at 09:12 AM.

  3. #3
    Senior Member Level 1 marindependent's Avatar
    Join Date
    Aug 2016
    Marin County California


    Wow never heard of it as an issue.

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