Homeowners Policy (HO)Question 346 of 474
The collapse additional coverage on a standard homeowners form applies when a building collapses from:
a.wear and tear the insured has known about for years
b.cracking or bulging that has not yet caused a collapse
c.a specified cause such as hidden decay or vermin damage
d.any cause at all, including gradual settling of walls
Explanation
Collapse is an additional coverage that responds to an abrupt falling in of a building caused by one of the causes the form lists, such as hidden decay, hidden insect or vermin damage, or the weight of contents, equipment or people. Settling, cracking, bulging and expansion are specifically not a collapse, and long-known wear is not a listed cause.
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