Structural Collapse Claims Expert
Building collapse and structural failure specialists serving CA, AZ, WA, ID, CO & TX
Get Free ConsultationExpert Structural Collapse Claims Assistance
Structural collapse is one of the most serious types of property damage, often resulting in total loss or requiring extensive rebuilding. Whether caused by foundation failure, poor construction, natural disasters, or material defects, collapse claims are complex and require specialized expertise. Apex Adjusting Group helps property owners throughout California, Arizona, Washington, Idaho, Colorado, and Texas maximize their collapse insurance claims.
Insurance companies often dispute collapse claims, arguing over the definition of "collapse" and coverage scope. Our licensed public adjusters know how to document structural failure, work with structural engineers, and negotiate maximum settlements for complete restoration.
What We Cover
Our Collapse Claims Process
Emergency Assessment
Immediate structural evaluation and documentation of collapse damage.
Engineering Report
Coordination with licensed structural engineers for expert analysis and reports.
Cause Determination
Investigation to identify the cause and establish insurance coverage.
Claim Negotiation
Strategic negotiation for complete repair or rebuilding compensation.
Settlement
Maximum compensation for structural restoration and property replacement.
Types of Collapse Claims
- Roof Collapse: Structural failure from snow, age, or poor construction
- Foundation Collapse: Settlement, soil issues, and structural failure
- Wall Collapse: Load-bearing wall failure and structural issues
- Ceiling Collapse: Material failure, water damage, or structural defects
- Deck/Balcony Collapse: Structural failure of exterior structures
- Total Building Collapse: Complete or partial building structural failure
Understanding Collapse Coverage
Insurance policies vary significantly in how they define and cover "collapse." We help ensure you receive full compensation under your policy:
- Definition of "collapse" vs. "settling" or "cracking"
- Covered perils causing collapse (water damage, earthquake, etc.)
- Hidden decay and structural deterioration coverage
- Weight of contents, equipment, or materials coverage
- Cost to rebuild vs. repair considerations
- Additional living expenses during reconstruction
Why Collapse Claims Are Complex
Structural collapse claims are among the most challenging property damage claims:
- Insurance companies often dispute the definition of "collapse"
- Determining the cause requires engineering expertise
- Construction defects may not be covered
- Extensive documentation and proof required
- Rebuilding costs can be substantial and contested
Structural Collapse Claims FAQs
Does homeowners insurance cover structural collapse?
Coverage depends on the cause. Most policies cover sudden collapse from covered perils like fire, water damage, or weight of contents. However, collapse from gradual deterioration, foundation settling, or construction defects may be excluded. We review your policy to determine coverage.
What is the insurance definition of 'collapse'?
Insurance policies define 'collapse' as sudden, substantial falling down or caving in of the structure. Minor settling, cracking, or sagging may not qualify as collapse. This definition is often disputed, which is why having a public adjuster is crucial for collapse claims.
How much does a public adjuster cost for collapse claims?
We work on contingency, typically 10-15% of the final settlement. Given the complexity and high value of collapse claims, our expertise often results in settlements hundreds of thousands of dollars higher than initial offers, far exceeding our fee.
Should I hire a structural engineer for my collapse claim?
Yes, and we coordinate this for you. Structural collapse claims require engineering expertise to determine the cause, extent of damage, and repair requirements. We work with licensed structural engineers whose reports support your insurance claim.
What if the insurance company says the collapse was due to construction defects?
Construction defect exclusions are commonly disputed in collapse claims. We investigate the actual cause, review construction records, consult experts, and often establish that covered perils (like water intrusion or earthquake) contributed to or caused the failure.
How long does a structural collapse claim take to settle?
Collapse claims are complex and typically take 3-12 months or longer depending on the extent of damage, cause determination, and negotiation. Some cases require engineering studies, structural testing, and extensive documentation before settlement.
Can I rebuild in the same location after a collapse?
This depends on building codes, zoning laws, and the cause of collapse. If the collapse was due to soil issues or geographic factors, rebuilding may require special engineering or may not be permitted. We help navigate these issues as part of your claim.
What if only part of my building collapsed?
Partial collapse is still covered if it meets policy definitions. We document all affected areas, structural connections, and safety concerns. Often, structural engineers determine that more extensive work is needed than initially apparent.
Will insurance pay for temporary housing after a collapse?
Yes, if your policy includes Additional Living Expenses (ALE) or Loss of Use coverage. After a collapse making your home uninhabitable, insurance should cover temporary housing, storage, and related costs during reconstruction. We ensure you receive full ALE benefits.
What should I do immediately after a structural collapse?
First, evacuate and ensure everyone's safety. Contact emergency services if needed. Do not enter unsafe structures. Document the collapse with photos/videos from safe distances. Contact your insurance company and call us immediately - early involvement is crucial for collapse claims.
Get Expert Help with Your Collapse Claim
Free consultation. No recovery, no fee. Protect your property and maximize your settlement.