“Chance favours the prepared mind.”
― Louis Pasteur
You better have an expert for a collapse case.
One thing is for sure, collapse coverage claims are fact specific and the exact language within the policy is crucial in determining whether the damage at the building will be covered. Counsel also needs to be very familiar with court decisions of a particular jurisdiction to understand how the courts decide these cases. My prior posts have explained the evolution and two main views of the coverage. The traditional view holds collapse is covered when there is either a falling down or a caving-in – into a flattened form of rubble. But the liberal view holds a collapse happens when there is a substantial impairment of structural integrity, without an actual collapse of the building or part thereof being necessary.