In this 1976 judgment the policy covered damage caused by a storm. The policy excluded damage caused by subsidence or landslip.
The retaining wall on a mountain slope collapsed after a heavy rainfall damaging property in the lower premises. One wall was poorly designed and had an inadequate footing and insufficient weepholes to drain off water with the result that after a strong wind accompanied by heavy rainfall the walls had collapsed and caused the damage.
The court held that that damage was caused by landslip and not a storm. That was despite the retaining wall that had been put there in an attempt to prevent it. No indemnity was due under the policy