In the fall of 1990, heavy rainfall caused a landslide upslope from a house owned by George and Mitsie Fujii (the Fujiis). Noting continued instability of the slope in subsequent months, the Fujiis filed a claim under their homeowners insurance policy. State Farm Fire and Casualty Company (State Farm) denied coverage because the dwelling did not sustain a direct physical loss. The Fujiis sued, and now appeal...
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