{"id":903218,"date":"2024-08-28T16:26:17","date_gmt":"2024-08-28T22:26:17","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=903218"},"modified":"2025-12-17T11:28:59","modified_gmt":"2025-12-17T18:28:59","slug":"collapse-court-find-ambiguity","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/collapse-court-find-ambiguity\/","title":{"rendered":"Does a Sagging Floor Constitute a \u201cCollapse\u201d? Court Finds Ambiguity in \u201cCollapse.\u201d"},"content":{"rendered":"\n

Joshua Tumen and Paul Ferland | The Property Insurance Law Observer<\/a><\/p>\n\n\n\n

In Life Skills, Inc. v. Harleysville Insurance Company<\/em>, 2024 WL 3792261 (D. Mass. 2024), the District Court of Massachusetts found that \u201ccollapse<\/a>\u201d provisions within a commercial property policy were ambiguous where a floor merely sagged without completely falling to the ground.<\/p>\n\n\n\n

Background<\/p>\n\n\n\n

The plaintiff-insured provided residential and day habilitation services in a property covered by a commercial package insurance policy issued by the defendant-insurer. During the policy period, the insured\u2019s floor \u201csunk\u201d between eight to 12 inches. Specifically, the insured noted that the \u201cfloor had sagged, was bouncing, and that a section of the floor had partially detached from the Property\u2019s exterior wall.\u201d This prompted the insured to submit a claim.  Following its investigation, the insurer denied coverage based on the conclusion that \u201c[the] loss was caused by long term deterioration of the timber beams in the crawl space due to moisture,\u201d a condition not covered under the policy.<\/p>\n\n\n\n

The Policy<\/p>\n\n\n\n

Because collapse was a generally excluded cause of loss, the insured relied on an additional coverage provision, which supplanted the collapse exclusion, and reinstated coverage as follows:<\/p>\n\n\n\n

D. Additional Coverage \u2013 Collapse<\/strong><\/p>\n\n\n\n

The coverage provided under this Additional Coverage \u2013 Collapse applies only to an abrupt collapse as described and limited in D.1.<\/strong> through D.7<\/strong>.<\/p>\n\n\n\n

    \n
  1. For the purpose of this Additional Coverage \u2013 Collapse, abrupt collapse means an abrupt falling down or caving in of a building or any part of a building with the result that the building or part of the building cannot be occupied for its intended purpose.<\/li>\n\n\n\n
  2. We will pay for direct physical loss or damage to Covered Property, caused by abrupt collapse of a building or any part of a building that is insured under this Coverage Form or that contains Covered Property insured under this Coverage Form, if such collapse is caused by one or more of the following:\n
      \n
    1. Building decay that is hidden from view, unless the presence of such decay is known to an insured prior to collapse.<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n\n\n\n

      Analysis<\/p>\n\n\n\n

      In determining whether the insured\u2019s loss qualified as a \u201ccollapse\u201d under the terms of the policy, the Court turned to the language of the policy, which stated that the additional coverage for collapse only applied to an \u201cabrupt collapse.\u201d  The policy defined \u201cabrupt collapse\u201d as \u201can abrupt falling down or caving in of a building or any part of a building or any part of a building with the result that the building or part of the building cannot be occupied for its intended purpose.\u201d<\/p>\n\n\n\n

      The insurer argued that the damage to the floor did not meet the policy\u2019s definition of \u201cabrupt collapse\u201d because it did not completely fall to the ground. Even though the floor had partially detached from the property\u2019s exterior wall, it remained standing. The insurer further noted that the insured\u2019s personnel walked on the floors after the incident occurred.<\/p>\n\n\n\n

      On the other hand, the insured argued that its damage was a \u201ccollapse\u201d because the additional coverage\u2019s provision included partial collapse and did not specify a minimum vertical displacement to qualify as a collapse. The insured pointed out that the floor was in a \u201cstate of structural failure\u201d and detached from the exterior wall due to its structural members being severely decayed. Thus, under the insured\u2019s interpretation, at the very least, part of a building (i.e.<\/em>, the detached portion of the floor) suffered an \u201cabrupt collapse,\u201d because the damage was unexpected, and the insured had no knowledge of the hidden decay prior to the incident.<\/p>\n\n\n\n

      In sum, the Court noted that both parties offered reasonable interpretations of the collapse provisions as applied to the facts. Generally, ambiguities in insurance policies are construed against insurers to provide coverage. Accordingly, the Court held the language to be ambiguous and found in the insured\u2019s favor. In doing so, it looked to other jurisdictions where courts analyzed nearly identical policy language and determined them to be ambiguous. Scorpio v. Underwriters at Lloyd\u2019s, London<\/em>, 2012 WL 2020168 (D. R.I. Jun. 5, 2012) (finding a collapse provision ambiguous in context of six-inch roof deflection); Landmark Realty, Inc. v. Great Am. Ins. Co.<\/em>, U.S. Dist. LEXIS 127718 (D. Md. Dec. 8, 2010) (finding an \u201cinternal inconsistency\u201d in an additional coverage collapse provision where a partial collapse resulted in an entire building becoming condemned and unsuitable for its intended purpose); Malbco Holdings, LLC v. AMCO Ins. Co.<\/em>, 629 F.Supp.2d 1185 (D. Or. 2009) (noting that the collapse provision is ambiguous, but the \u201cclear modern trend\u201d is to hold that collapse coverage provisions provide coverage if there is substantial impairment of the structural integrity of any part of the building); Jemiola Trustee of Edith R. Jemiola Living Trust v. Hartford Casualty Insurance Co.<\/em>, 229 A.3d 84 (Conn. 2019) (finding similar collapse policy language to be either ambiguous or unambiguous when applied to different facts).<\/p>\n\n\n\n

      The Court explained that the provisions in the additional coverage for collapse created internal inconsistencies that would have restricted coverage solely to scenarios where an insured\u2019s building was in a \u201cflattened form or rubble,\u201d thereby contravening what an objectively reasonable insured would expect to be covered. It also instructed that if the insurer intended for a collapse to require the entire building to fall to the ground immediately, that should have been explicitly defined in the policy.<\/p>\n\n\n\n

      Conclusion<\/p>\n\n\n\n

      Life Skills<\/em> demonstrates that the term \u201ccollapse,\u201d commonly included in various commercial property policies, can potentially be subject to conflicting interpretations depending on the circumstances surrounding a loss and the applicable jurisdiction\u2019s case law.  Whether the structure experienced a minor deflection or crumbled to the ground, courts will consider the policy language as a whole to determine whether the term \u201ccollapse\u201d has been triggered. This case also reinforces the need for insurers to conduct timely and comprehensive investigations to determine all causes of loss.<\/p>\n\n\n\n

      \n\n\n\n

      When one of your cases is in need of a construction expert, estimates, insurance appraisal or umpire services in defect or insurance disputes – please call Advise & Consult, Inc. at 888.684.8305, or email experts@adviseandconsult.net<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

      Joshua Tumen and Paul Ferland | The Property Insurance Law Observer In Life Skills, Inc. v. Harleysville Insurance Company, 2024 WL 3792261 (D. Mass. 2024), the District Court of Massachusetts found that \u201ccollapse\u201d provisions within a commercial property policy were ambiguous where a floor merely sagged without completely falling to the ground. Background The plaintiff-insured provided… Continue reading Does a Sagging Floor Constitute a \u201cCollapse\u201d? Court Finds Ambiguity in \u201cCollapse.\u201d<\/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":false,"_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":[10791,30],"tags":[9895,8672,4739],"class_list":["post-903218","post","type-post","status-publish","format-standard","hentry","category-commercial-general-liability-policy","category-general-liability-policy","tag-advise-consult","tag-collapse","tag-commercial-general-liability-policy","entry"],"jetpack_publicize_connections":[],"yoast_head":"\nDoes a Sagging Floor Constitute a \u201cCollapse\u201d? 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