A building can collapse for many different reasons: faulty construction; termite damage; rot; damage caused by the weight of snow, ice, or rain over time; weight of people or personal property; blasts; vibrations; decay.
With so many potential factors at play, getting insurance companies to pay for building collapse damage can be hard. Property insurance policies often include highly specific clauses about what they will or won’t cover when a building fully or partially collapses. These clauses lend more flexibility to insurance companies looking to deny or lowball claims, even when the claims are justified.