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FILE - This Jan. 10, 2018, aerial file photo provided by the Santa Barbara County Fire Department shows mudflow and damage to homes in Montecito, Calif. The California Senate has approved legislation Thursday, May 17, 2018, clarifying insurance coverage following mudslides near Santa Barbara. Insurance policies generally cover damage from fires but not mudslides. The Santa Barbara mudslides were triggered by a wildfire, creating confusion about whether damage was covered by insurance. (Matt Udkow/Santa Barbara County Fire Department via AP, File)

FILE - This Jan. 10, 2018, aerial file photo provided by the Santa Barbara County Fire Department shows mudflow and damage to homes in Montecito, Calif. The California Senate has approved legislation Thursday, May 17, 2018, clarifying insurance coverage following mudslides near Santa Barbara. Insurance policies generally cover damage from fires but not mudslides. The Santa Barbara mudslides were triggered by a wildfire, creating confusion about whether damage was covered by insurance. (Matt Udkow/Santa Barbara County Fire Department via AP, File)

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