Collapse is a peril that can be covered under property insurance. Coverage may be triggered by the sudden falling-in, caving-in, or flattening into the rubble of a building. Specific causes of collapse that are covered are typically included in a policy, such as hidden decay or the use of defective construction, remodeling, or renovation materials. A sudden collapse might not be covered if the property owner knew there was wear and tear on the building or was not maintaining the building.
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