Does homeowners insurance cover a collapse?

Collapse

Before 1984, many property insurance forms listed collapse as an insured peril, which was a logical paradox given that collapse is not a peril but a result of a risk. Collapse is now considered extra coverage, and it is only covered if certain factors cause it. Except for Form 8, all homeowners forms provide additional collapse coverage (and Form 1, which were still in use). The abrupt falling or caving in a building or portion of a building because it can no longer be occupied is known as collapse. Coverage is only provided if a certain set of dangers causes the collapse. The specific risks that must cause coverage to existing are as follows:

1. The perils insured against in Coverage C
2. Decay that is hidden from view, unless the insured knew of such damage
3. Insect or vermin damage that is hidden from view, unless the insured knew of such damage
4. Weight of contents, equipment, animals, or people
5. Weight of rain on a roof
6. Defects in materials or methods used in construction, if the collapse occurs during the construction

Coverage applies for damage to all insured property that results from a covered collapse.