IM 7972 Earth Movement And Flood Coverage Endorsement

An American Association of Insurance Services (AAIS) standard form. It adds earth movement and flood coverage to builders' risk coverage, subject to the building, occurrence and 12-month catastrophe limits on the schedule, with optional extension to delay in completion and a flat or percentage deductible.

1. 06 26 edition

   Jun 2026, compared with 08 12Latest edition

   • Earth movement losses can now carry a percentage deductible, based on the value of the property involved at the time of loss, applied per jobsite with optional minimum and maximum amounts.

     08 12

     “1. Deductible -- "We" pay only that part of”

     06 26

     “applying the percentage indicated on the schedule to the value of the covered property that is involved in the loss”

• Edition in use: in the past 12 months, 2 companies filed the 06 26 edition and 1 company filed 08 12.
• IM 79 76 (Earth Movement and Flood Schedule) is filed alongside it most often, in 71 of the same filings (99%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

• IM 79 76Earth Movement and Flood Schedule71 filings
• IM 70 85Earthquake and Flood Coverage Endorsement70 filings
• IM 70 86Earthquake and Flood Schedule70 filings
• IM 79 88Earthquake, Earth Movement, and Flood Coverages Endorsement - Civil Works Project68 filings
• IM 79 89Earthquake, Earth Movement, and Flood Schedule - Civil Works Project68 filings
• IM 79 70Rehabilitation And Renovation Schedule38 filings
• IM 79 73Model Homes And Sales Offices Coverage38 filings
• IM 79 74Model Homes And Sales Offices Schedule38 filings
• IM 79 75Contract Change Order Coverage38 filings
• IM 79 77Theft Deductible Endorsement38 filings