- Falling Objects
- Weight of Ice, Sleet, and/or Snow
Collapse Coverage may be triggered when an insured building shows signs of distress, when the building is vacated due to imminent collapse, or when the building crumples and falls to the ground. It is one of the most contested and litigated insurance coverages because, in some case, collapse occurs over an extended period of time and to varying degrees of severity. Some insurance policies specifically delineate that settling, shrinking and expansion are not forms of collapse and therefore not covered. However, in certain instances, the courts have ruled that if settling, shrinking, and/or expansion cause the building to be uninhabitable or usable for its intended purpose then there is constructive collapse and coverage is applicable. Since this is a highly debated area of coverage, it is wise to hire an experienced public adjuster or appraiser to advocate on your behalf.