Per the insurance field, collapse is a broad term that is typically defined and applied according to individual policy details. Collapse insurance will usually repair/replace a roof that has fallen or caved as a result of policy approved weather related circumstances or if the entire structure collapses, falls in on itself, or the structural integrity has been compromised due to a covered cause.
Interestingly, many claims and losses involving collapse end in litigation. The reason necessary for legal action is commonly due to the ambiguous interpretations of ‘collapse’ by insurance companies and policy holders alike, neither being able to agree on the actual definition and outlines of coverage. Depending on the case, courts and juries can also interpret the definitions differently which is merely a professional narrative and should not be applied to personal policies or claims involving collapse. Like all insurance policies and claims, each one should be individually investigated based on its own merits.
Always involve the corresponding insurance agent with any questions concerning the interpretation of your insurance policy. Our certified and experienced public adjusters at Morgan Elite Specialist Services can certainly assist you in a claim due to collapse and offer free consultations.
We love to hear from you! Please feel free to leave a comment or reach us through the ‘Contact Us’ tab at the top of our page.
RELATED LINKS: www.messtx.com
© 2016 MESSTX.com
The team of Public Adjusters at Morgan Elite Specialist Services have over 25 years of experience in the insurance industry. All of our adjusters are licensed and bonded by the Department of Insurance and are required to take continuing education courses annually.