Homeowners Insurance Claims for Collapse Damage
As your policyholder advocate, we break down walls with your insurance company to get you the money you are entitled to from your collapse damage 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 a 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 insurance 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. Our expertise and successful history in getting fair settlements have made us the public adjusters policyholders trust most for collapse damage home insurance claims. We have adjusters throughout Colorado, Nebraska, Kansas, Missouri, Iowa, North Dakota, South Dakota and Wyoming that will help you prepare and file a claim to get you more, sooner.
What To Focus On After Collapse Damage
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 an 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
How Our Public Adjusters Help 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 less hassle for you.
Homeowners We Have Helped
Client References & Testimonials
- A&M Custom Homes - Gig Harbor, WA
- A-1 Custom Trophies, Inc. - Westminster, CO
- A1 Vacuum Cleaner - Albuquerque, NM
- AAMCO Transmission - Pueblo, CO
- Abbey at Cherry Creek HOA - Denver, CO
- Abdiana - Kansas City, MO
- Acacia Equities - Thornton, CO
- Academy Of Beauty Culture, Inc. - Kennett, MO
- Acadian Seafood Restaurant - Baton Rouge, LA
- Advanced Energy - Ft. Collins, CO
- AIMCO Properties - Boulder, CO
- Albuquerque Allsuite - Albuquerque, NM
- Allstone Ski Tools - Golden, CO
- Alpha Dental Care - Aurora, CO
- Alvarado Apartments - Albuquerque, NM
- Ameri-Cure Inc. - Chandler, AZ
- American Design Inc. - Denver, CO
- American Federal Bank - East Grand Forks, MN
- American Foodsource Corp. - La Junta, CO
- American Yacht Harbor - Red Hook, St. Thomas, US Virgin Islands
- Americold Corporation - Kansas City, KS
- Ammons Park Home Owners - Lakewood, CO
- Andrews Metal Technologies - St. Louis, MO
- Apartment & Condominium Concepts Unlimited, Inc. - Golden, CO
I had a major loss at an onion packing operation on January 9th, 2017. Snow accumulation caused the collapse of two of my buildings at Four Rivers. The day after we had the insured losses I was contacted by Adjusters International. They seemed professional and immediately came up with some questions that my management team had not thought of. After an extensive reference check we decided to hire the team at Adjusters International/Matrix Business Consulting. Adjusters International/Matrix Business Consulting performed well above my expectations. They helped us obtain temporary equipment to package onions. They also fought an insurance company declaration that my storage building did not need to be replaced. In addition to this and perhaps most importantly they helped secure a fair settlement for my onion inventory and loss of business income. This settlement was over $1,000,000 more than originally offered by the insurance company. It was invaluable to have their expertise available while we were negotiated with the insurance company. My business may have not been able to continue operations if Adjusters International/Matrix Business Consulting was not involved.”Sean SwansonCEO - Four Rivers Onion Packing
As you know, Colorado Casualty had already paid for the replacement of my roof from the March snowstorm. However, it was a different story when my floor started lifting a few months later. Not only were they refusing to acknowledge coverage for the damage to the floor, but other issues such as the electrical work and my loss of rent from a potential tenant, were not being addressed. I am certain that, had I not decided to hire Adjuster International/Matrix Business Consulting's services, these issues would not have been resolved. Your extensive knowledge of the policy, and what actually was covered, and your expertise in dealing with the insurance company were key elements in gaining the true amount owed to me by my insurance company.Ruth Traupe
For decades, L’Auberge Chez François has been one of the leading restaurants in the metro Washington, D.C., area. Known for its exceptional French cuisine and impressive service, the restaurant is a longtime favorite of Washingtonians celebrating anniversaries, birthdays or other special occasions.
A magnitude 6.8 earthquake, called Nisqually in seismic circles, rocked Seattle, Washington, in 2001 and severely damaged the Starbucks corporate headquarters building.
Super Typhoon Paka, as the storm came to be called, was a 12-hour session of destruction for the island of Guam. Stirring up winds in excess of 200 miles per hour, the tropical cyclone tossed buildings, planes and ships across the island like discarded toys. Among these was the headquarters of Continental Micronesia, a subsidiary of Continental Airlines. The main offices, the marketing buildings and the planes were damaged by the powerful typhoon.
PublicationIssue # 3039Webster's lead definition of "collapse" seems so clear and straightforward as to preclude the possibility of such an event being debatable. Yet in the field of property insurance, few concepts have been as open to interpretation...
Podcast04.02.2018Throughout the years, insurance companies have updated the policy language as to what constitutes a collapse loss and continue to do so today. How can you be sure you are covered? ...