Homeowners Insurance Claims for Collapse Damage

Your home just collapsed. Do you know the cause? When it comes to homeowners insurance and property damage, collapse is a peril up for interpretation. Our public adjusters are seasoned professionals in determining what you are truly owed from such a catastrophe.
As your policyholder advocate, we break down walls with your insurance company to get you the money you are entitled to from your claim.

A collapse can happen from sudden natural disasters like a mudslide or hidden causes that over time compromised the structural integrity of your home, such as insufficient construction methods and draining systems, decay, and infestation. Even heavy collection of rainwater on your rooftop could lead to roof damage and be considered a cause.

Still, your homeowners insurance policy may state exclusions or limitations related to these causes that could limit your coverage if you suffer collapse property damage. It can leave you vulnerable to an unreasonable damage assessment by your insurance company and its adjusters that will not get you what you deserve. That is why our team of public adjusters works on your behalf, bringing to the situation unmatched professional experience in claim management. We are fluent in your policy coverage, properly evaluate and document the extent of property damage, and negotiate your claim for the maximum amount so and your family can recover sooner.

What To Focus On After Collapse Damage

Make sure you fully understand the meaning of each of the following before you move forward. Feel free to reach out to us for a no-cost discussion about your claim.
  • How much do I really need to know?
  • How can I minimize the emotional toll on my family?
  • How can I minimize the effect on my work/career?
  • How large and advance should I expect?
  • Is there anyone on my side?
  • How much time over the next several months will you need to put aside to handle your claim properly? How will all those hours affect your family? Your job?
  • What is the emotional investment that you will need to commit to the process?
  • Can you get paid for your time?
  • Are you entitled to an advance from the insurance company? What is reasonable?
  • What is your broker or agent’s role? Will his/her role be active or passive? When faced with supporting your position or the insurance company’s, where will he/she stand?
  • Are you familiar with the forms/practices below and what their request/issuance is telescoping? Request for a Proof of Loss. Reservation of Rights letter. Request for an Examination Under Oath.
  • What does it mean when the insurance company recommends a preferred vendor? Who is this vendor working for, really?
  • Contractors may tell you they can do what public adjusters can do. Can they really? What is their background and education in insurance? Are they bonded? In many states, like California, it’s even against the law!
  • What is the insurance company’s motivation in preparing a reconstruction estimate for you? The policy says it is your responsibility. Why are they willing to do it? How do they benefit?
  • What is the difference between functional replacement and true replacement? Should you care? Why?
  • How is actual cash value determined?
  • Can you do the repairs yourself? Are you entitled to the profit that a contractor would typically charge? Are you entitled to the overhead that a contractor would typically charge?
  • What are the benefits and the pitfalls of replacing your home vs. selling?
  • Do you have to replace on the same site? Can you buy or build elsewhere?
  • Can you collect code coverage allowances if you build elsewhere?
  • How quickly can you get started rebuilding?

Property Damage Losses Homeowners Claims Recovery Process

Property Damage
Time Element
Life & Safety Issues
Mitigation of Damages
Establish A Preliminary Recovery Plan
Evaluation of Coverages
Valuation Of Damages, Claim Preparation, and Documentation
Negotiations & Settlement
Restoration Of Property & Operations

How Our Team Helps You

  • Evaluate Evaluating your insurance policy to establish the best possible strategy for presenting your claim to the insurer.
  • Strategy Valuing, documenting, and substantiating every detail.
  • Communication Keeping you informed every step of the way.
  • Negotiation Negotiating on your behalf with your insurance company.
  • Settlement Ultimately settling the claim for the maximum amount and with lass hassle for you.

Homeowners We Have Helped

You were there for me when I needed you…emotionally and professionally. You took the time to explain those things that needed explaining and you had the expertise to get the job done…quickly, efficiently and graciously. Your expertise resulted in a 100% increase in my settlement. The peace of mind you gave me as I observed your professionalism and competence in preparing the necessary information needed to resolve my claim had a calming effect and allowed me to go about my business without concern.
Jacqueline Lerman/Jackie Collins
Testimonial
…Having never been through a major property claim, I was unprepared to stand up to the insurance company and their consultants. Gordon Scott initially promised a team approach with a well coordinated strategy and what I got was no less than hall of fame caliber…Your team educated me on the available coverage’s my policy provided. You were able to obtain maximum rental value while my home was untenable, correctly valued my personal belonging’s including my extensive wine collection, and ensured the mandated code upgrades were included in the final settlement. In the end I received over $3,500,000 when I was originally offered less than $500,000…Dealing with an insurance company takes a true professional who has the necessary experience and expertise. Greenspan filled that role and was truly an advocate on my behalf.
Michael Tuite
Testimonial

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Contact Us

If you're suffering from a homeowner property claim, we can help!
Call us at 800.426.0677 or fill out the form below:
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