That's two different coverages.  This is from a property form with flood coverage:

C. We do not insure for loss to property caused directly by earth movement even if the earth movement is caused by flood. Some examples of earth movement

that we do not cover are:

1. Earthquake;

2. Landslide;

3. Land subsidence;

4. Sinkholes;

5. Destabilization or movement of land that results from

accumulation of water in subsurface land area; or

6. Gradual erosion.

We do, however, pay for losses from mudflow and land

subsidence as a result of erosion that are specifically

covered under our definition of flood (see II.A.1.c. and

II.A.2.).