Collapse Damage

Collapse Damage Property Insurance Claim

Buildings can suffer from hidden damages, which may cause abrupt falling or cave-in of the property. This type of property damage can happen from the weather, hidden erosion, or simply human error when the property is constructed. Other types of collapses can be caused by a vehicle or other items impacting a property. A structural collapse, in part or in whole, can be extremely hazardous and will need to be documented and assessed immediately after the incident.

A building collapse claim can be very complicated as the policy may have very specific language that is not easy to decipher without a Public Adjuster. Our team has years of experience filing collapse claims, and unlike the insurance companies, we promise to represent you and look out for your best interest. Our commitment to expediting the insurance claim process ensures you the best service and highest settlement.

Public Adjuster

How We Help

After suffering from such a loss, the last thing you want to do is undergo the long and tedious process of submitting a claim through your insurance company. As a reputable, licensed collapse damage public adjusting firm, here are some ways we help with the claims process:

Initial Assessment

We conduct a thorough evaluation of the damage to your property, including structural damage, contents affected, and potential loss of use.

Policy Review

We will review your insurance policy to understand the coverage and limitations relevant to your collapse damage claim.

Precise Documentation

We will help gather all necessary documentation to support your claim, including photos, videos, receipts, and any other relevant evidence of the damage.

Negotiation with Insurer

We act as your advocate in negotiations with the insurance company to ensure you receive fair compensation for your collapse damage claim.

Settlement Maximization

We will ensure you receive the full amount you are entitled to under your policy.

Communication Liaison

We will handle all communication with the insurance company on your behalf, including submitting documentation, answering questions, and providing updates on the progress of your claim.

see what our clients have to say


  • Homeowner’s insurance often covers foundation issues only when they are caused by water damage. If you have underground plumbing that leaks and erodes your home’s foundation, this is considered a covered risk. However, homeowners insurance does not cover foundational damage caused by earth movement, such as an earthquake.
  • When your home collapses due to a structural fault, to be covered by homeowners insurance, the reason for the collapse must typically be unexpected or unknown to the homeowner, something accidental. It’s the homeowner’s job to take note of difficulties with their home’s foundation that could lead to more problems down the road.

Most insurance policies include coverage for ALE (additional living expenses) when your home becomes uninhabitable due to a covered loss. You can review our ALE resource to get a better understanding of what ALE is and how it might impact you during such events.

Actual Cash Value (ACV) and Replacement Cost Value (RCV) are two different calculation methods used by insurance companies to determine the value of covered property if destroyed or damaged. Read more about ACV versus RCV to understand how your insurance company is calculating your coverage for damage claims.


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