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collapse: homeowners policy

Collapse: homeowners policy is additional coverage provided by the homeowners policy.

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Additional Information

Collapse is not treated as a peril per se but as an additional coverage with separate treatment, language, and restrictions. For coverage to apply, the proximate cause of the collapse has to be a covered peril. For example, if the faulty design of the home (an excluded peril under the homeowners form) results in the collapse, no coverage is provided.