Collapse Claims

Collapse is a tricky coverage.

Most companies cover fire loss the same, but collapse coverage varies a great deal. Typically, policies exclude collapse as a covered risk, but then “give back” some limited collapse coverage, and it is the extent of this “give back” that varies. Some insurers provide coverage only for collapse of a building to the ground into a disorganized heap (the traditional coverage for collapse), while others insure for imminent collapse, or for settling, bulging, or cracking that renders the building unsafe for occupancy, or for partial collapse.

Rutter & Russin has experience with a wide variety of collapse coverages. Our experience enables us to ascertain the extent of the collapse coverage, determine if the facts of the loss fit into the scope of the “give back,” and make the arguments that are most effective in obtaining coverage for your collapse claim.