The homeowners policy agrees to cover the peril of collapse in the "Additional Coverage" section and not as a specified peril because of:

Question

Quizplus · Accepted Answer

The reason collapse is covered under the Additional Coverage section rather than as a specified peril is due to concurrent causation. Collapse can be caused by a multitude of factors, such as weight of people or property, hidden decay, insect or vermin damage, or faulty construction. Therefore, it is difficult to determine a specific cause of loss that would trigger coverage under a specified peril. Instead, the Additional Coverage section provides coverage for collapse regardless of the cause.

The Homeowners Policy Agrees to Cover the Peril of Collapse