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BUILDING OR STRUCTURAL COLLAPSE

Not to be confused with sinkhole damage, building or structural collapse can be different.  You can experience issues with nearby new construction or renovations due to construction vibrations or blasting.  Hidden decay can cause many of these collapse issues in buildings.   These types of claims can require a wide range of knowledge and persistence  during the insurance claims process.  Building collapse coverage can be a difficult claim to clarify and it is always changing.

WHAT CAN I DO TO STAY AHEAD?

buildingcollapse

  • Be sure to have a certified copy of your insurance policy
  • Understand how your policy defines the term “collapse”
  • Don’t start rebuilding or demolition until you are certain of your plan for a claim
  • Get in writing what the evidence shows for the collapse
  • Figure out if a partial collapse has happened and if there is any structural damage
  • Have the insurance company provide you with documentation of the coverage they provide or denial of the claim

Make sure you have someone on your side! If your claim has been delayed or denied or you have received a request for a Reservation of Rights letter or Proof of Loss form make sure to contact HDG Public Adjusters.

GET A FREE CLAIM REVIEW TODAY!

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FREE CLAIM REVIEW

Be careful how your insurance policy defines collapse, the definitions have changed over time, review the section below from a Special Provisions endorsement document to get a better idea.

Collapse

With respect to this Other Coverage:

(1)Collapse means an abrupt falling down or caving in of a building or any part of a building with the result that the building or part of the building cannot be occupied for its current intended purpose.

(2)A building or any part of a building that is in danger of falling down or caving in is not considered to be in a state of collapse.

(3)A part of a building that is standing is not considered to be in a state of collapse even if it has separated from another part of the building.

(4)A building or any part of a building that is standing is not considered to be in a state of collapse even if it shows evidence of cracking, bulging, sagging, bending, leaning, settling, shrinkage or expansion.