Collapse

1) Introduction
a) Collapse generally not covered
b) Additional Coverage for Collapse
2) Policy Defines “Collapse”
a) abrupt falling down or caving in
b) cannot be occupied for current intended use
c) no collapse if building or part of building remains
standing
3) Quiz – Reinforcing Part 1 Materials
a) 5 multiple choice questions
b) 4 choices per question
c) Second quiz if less than 80% score on first quiz

1) Policy does not define “collapse”
a) lack of definition in pre-2000 forms
b) “collapse” is not settling, cracking, shrinking,
bulging or
expansion
2) “Total Rubble”
a) “collapse” is unambiguous
b) building or part of building must fall down
c) loss of distinctive character as building
3) “Substantial Impairment”
a) “collapse” is ambiguous
b) “collapse” as noun differs from “collapse” as verb
c) “collapse” may include “substantial impairment” of
building’s structural integrity
4) “Imminent Danger”
a) more than just “substantial impairment”, less than
“total
rubble”
b) insured’s reasonable expectations
c) policy not a maintenance agreement
d) avoids “absurdity” of waiting until building falls
5) Quiz – Reinforcing Part 2 Materials
a) 5 multiple choice questions
b) 4 choices per question
c) Second quiz if less than 80% score on first quiz

1) Direct physical loss to covered property
a) Building
b) Other structures
c) Personal property
2) Loss must involve collapse
a) Collapse is result, not cause
b) Broader coverage than “caused by collapse”
3) Collapse of all or part of a building
a) “Building” defined
b) “Part of a building”
c) Fixtures
d) No coverage for collapse
of personal property
4) Quiz – Reinforcing Part 3 Materials
a) 5 multiple choice questions
b) 4 choices per question
c) Second quiz if less than 80% score on first quiz

1) Collapse must be caused by covered peril
a) 1991 edition: “caused only by”
b) 2000 edition: “caused by”
2) Coverage C Perils Insured Against
3) Hidden decay/Decay that is hidden from view
a) “Hidden” defined
b) “Hidden” and “not known to an insured” (2000 edition)

c) “Decay” – organic process
d) “Decay” – may include decline in strength
4) Insect or vermin damage – Hidden/Hidden from view
a) “Hidden” defined
b) “Hidden” and “not known to an insured” (2000 edition)

c) “Vermin” defined
5) Weight of contents, equipment, animals or people
a) “Weight” defined
b) Weight of contents
6) Weight of rain which collects on a roof
a) “Weight” defined
b) Weight of ice, snow or sleet Coverage C Peril Insured
Against
7) Quiz – Reinforcing Part 4 Materials
a) 5 multiple choice questions
b) 4 choices per question
c) Second quiz if less than 80% score on first quiz

1) Use of defective material and methods peril
a) “Faulty, inadequate or defective” exclusion
b) Defective material or methods
c) During the course of construction
d) Limited to work on the “residence premises”?
2) Limited coverage for certain property
a) Specified items of property subject to limited
coverage
b) Coverage C Perils Insured Against – “regular”
coverage
c) Direct result of collapse of (another) part of
building required
d) Why limited coverage?
3) Impact on Limits of Liability
a) Additional Coverage – covers loss otherwise
excluded
b) No increase in Coverage A, B, or C limits of
liability
4) Module Summary
5) Quiz – Reinforcing Part 5 Materials
a) 5 multiple choice questions
b) 4 choices per question
c) Second quiz if less than 80% score on first quiz