A wildfire affects several counties in California, and residents must evacuate the area. J's home is not damage by the wildfire, but after the wildfire, rainfall causes a mudslide, which does damage J's home. Uner J's homeowners policy, the coverage is: A- Covered because the wildfire was the efficient proximate cause.

B- excluded unless the policy provides open perils coverage for losses to the dwelling

C-Covered only during a state of emergency

D- Excluded because of the Earth Movement exclusion