Collapsed Insurance Claims

Building Collapse Caused by Excessive Weight. We maximize your insurance claim settlement.

"Too Much Weight or Undetected Decay Can Lead to Sudden Collapse"

Building Collapse Coverage

Did your property suffer structural damage that may be linked to collapse? Many property owners are surprised to learn that their insurance policy might exclude collapse coverage

unless certain strict conditions are met.

"Too Much Weight or Undetected Decay Can Lead to Sudden Collapse"

At Complex Process Solution , we’ve helped countless property owners—whether in condominiums, apartments, or commercial buildings— successfully recover insurance payouts for collapses caused by hidden decay or excessive weight.

But over the years, insurers have gotten creative in limiting their liability.

How Insurance Companies Restrict Collapse Claims

Hire Your Own Insurance Adjuster

Initially, most policies were straightforward. Under “Other Coverage,” many included protection against collapse caused by:

Hidden decay
Hidden insect or vermin damage
Weight of contents, equipment, or people
Weight of rain on the roof
Defective materials or construction methods (during the time of renovation)
But now, things have changed.
Insurance companies have added endorsements—like those in Forms DP 00 02 and DP 00 03—that narrow the definition of collapse to a nearly impossible standard:

"Collapse means an abrupt falling down or caving in... so the building or part of it cannot be occupied for its intended purpose."

Cracks, bulging, sagging, or leaning? Not considered collapse.

A section breaking away but still standing? Not considered collapse.

A roof that’s sagging dangerously but hasn’t fallen? Still not collapse under their definition.

Why This Matters

This shift means you could be sitting on a serious structural issue —but unless it literally falls down, your claim may be denied.

That’s where we come in. At Complex Process Solution, we know how to navigate the fine print and present the evidence in a way that compels carriers to do the right thing.

✅We offer free, no-obligation assessments

✅We’ll help you determine if your damage qualifies under your policy

✅We fight to make sure you get what you’re owed

Think you have a valid collapse claim?

Don’t wait until the situation worsens. Call Complex Process Solution today and speak with one of our expert public adjusters. Let’s see how we can help.

How We Work For You

The Insurance Claim Process and how we obtain the maximum amount on your claim.

Commercial Claims Process

We handle the entire insurance claims process so you can concentrate on running your life. There really is an advocate out there who offers a “Win-Win”.

Homeowners Claims Process

Complex Process Solution is the Public Adjusting Firm that provides Peace of Mind found when you know that your trusted ally is representing your best interest.

Multi Family Claims Process

Our Expert Public Adjusters file the claim for you, prepare a scope of work, prepare a detailed estimate of repairs, negotiate and settle Commercial, Homeowners and Multifamily Insurance Claims.