The bottom line is your going to need a good attorney and keep an eye on what insurance company are doing in the area.
I walk a lot on the beach and I have seen several bluff collapse.
Real Estate Agent
12780 High Bluff Drive, Suite 130
San Diego, CA 92130
CA DRE: 01903355
Best of luck!
Rachel LaMar, J.D.
LaMar Real Estate, Inc.