{"id":891877,"date":"2017-03-30T10:46:58","date_gmt":"2017-03-30T16:46:58","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=891877"},"modified":"2017-03-30T10:49:26","modified_gmt":"2017-03-30T16:49:26","slug":"crumbling-foundation-collapse-provision-homeowners-policy","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/crumbling-foundation-collapse-provision-homeowners-policy\/","title":{"rendered":"Crumbling Foundation and the Collapse Provision in a Homeowners Policy"},"content":{"rendered":"

Jennifer Van Voorhis | Property Insurance Coverage Law Blog<\/a> | March 26, 2017<\/p>\n

Recently, Connecticut has had an increase in insurance claims for crumbling foundations due to faulty foundations poured in the 1980s and 1990s. Some foundations poured during this time frame contained a mineral, pyrrhotite, which can cause cracking when it reacts with oxygen and water. It is estimated nearly 20,000 foundations poured contain the mineral.<\/p>\n

The problem many policyholders are encountering is the collapse provision in their insurance policies. Typical policy language defines collapse as \u201can abrupt falling down or caving in of a building or any part of a building\u201d; contrasted with language in the same policy: \u201ca building or any part of a building that is standing is not considered to be in a state of collapse even if it shows evidence of cracking, bulging, sagging, bending, leaning, settling, shrinkage or expansion.\u201d These apparently conflicting definitions of collapse arise from the conflicting meaning of the term \u201ccollapse\u201d as it has evolved in court cases from the various states. The traditional view defined collapse as a falling down or caving in, and the liberal view allowed for a substantial impairment of structural integrity without an actual collapse. In addition to this, some homeowners are burdened by a \u201csudden\u201d clause, where the collapse must be sudden to be covered, and the deterioration of a foundation occurs over time.<\/p>\n

Connecticut has requested that insurance companies work with their insureds in good faith, and requested they join Connecticut\u2019s \u201cCrumbling Concrete Assistance Program,\u201d\u2014a relief fund for homeowners. If you are a Connecticut policyholder dealing with a foundation issue, Connecticut recently passed a law sealing complaints filed with Connecticut\u2019s Department of Consumer Protection, and other state agencies, to protect homeowners worried filing such a complaint might harm any subsequent claim with the insurance company.<\/p>\n","protected":false},"excerpt":{"rendered":"

Jennifer Van Voorhis | Property Insurance Coverage Law Blog | March 26, 2017 Recently, Connecticut has had an increase in insurance claims for crumbling foundations due to faulty foundations poured in the 1980s and 1990s. Some foundations poured during this time frame contained a mineral, pyrrhotite, which can cause cracking when it reacts with oxygen… Continue reading Crumbling Foundation and the Collapse Provision in a Homeowners Policy<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":true,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[4,3],"tags":[9895,9953,7853,9952],"class_list":["post-891877","post","type-post","status-publish","format-standard","hentry","category-construction-defects","category-insurance-claims","tag-advise-consult","tag-collapse-provision","tag-connecticut","tag-crumbling-foundation","entry"],"jetpack_publicize_connections":[],"yoast_head":"\nCrumbling Foundation and the Collapse Provision in a Homeowners Policy - 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