Insurance Claims for Collapse Damage

If your organization or community suffers a structural collapse to any of its facilities, the full damage can be difficult to identify. Your recovery can depend on how you assess and report the damage. Our team of experts help you obtain the maximum claim recovery so you can get back on your feet sooner.
Coverage for collapse damage can be denied by your insurance company if you do not document and prove your loss properly.

If your organization or community’s infrastructure is interrupted by a collapse, you will not only face the challenges of securing everyone’s safety and protecting the rest of your property. You will now also have to secure the necessary funding for your recovery. Will it come from your insurance policy? If so, will it be enough to fully recover? The effect of any unrecoverable monies can be an immobilizing blow to your organization or community.

Our public adjusters have expertly managed claims for every type of disaster at the regional, state, and national levels. We are called upon by communities, non-profits, and government organizations for our unique ability to mobilize a top team of professionals who have the unmatched experience and comprehensive understanding of the laws, regulations, and policies involving disaster recovery. This enables us to consistently coordinate and obtain the maximum reimbursement for our clients, so that they may recover.

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.
  • Why should the county, city, town, or district optimize its claim?
  • Do we have a commitment to taxpayers to recover the most possible?
  • What if the insurance company engages a building consultant?
  • What is my agent/broker’s role?
  • Will my code upgrade coverage address all my code related issues? ADA, fire codes, etc.?
  • Is there coinsurance in my policy?
  • Do we need to issue an RFP in order to engage your services?
  • Who in our county, city, town, or district will be involved in making the decision to hire us?
  • Is your claim a result of an event that may be funded by FEMA? If so, it is your obligation to first maximize your insurance settlement to satisfy FEMA’s eligibility requirements.
  • Why can’t we do it ourselves?
  • What emergency facilities are necessary to continue operations?
  • Can temporary facilities still be used at the end of the claim and be considered permanent? If so, how?
  • How do existing plans for renovations or enhancements affect my claim?
  • How do bond cycles affect the full replacement cost holdback provisions of a policy?
  • What building codes and regulations must be considered in the reconstruction?

Property Damage Losses Government & Non-Profits 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 Fully reviewing your insurance coverage.
  • Strategy Developing a claim management strategy.
  • Compliance Determining policy compliance issues.
  • Valuations Completing detailed valuations of building, equipment and inventory losses.
  • Interruption Formulating business interruption models.
  • Itemization Presenting and supporting an itemized claim package to your insurer.
  • Negotiation Negotiating on your behalf with your insurance company.
  • Communication Keeping you informed every step of the way.
  • Settlement Ultimately settling the claim for the maximum amount and with less hassle for you.

Government & Non-Profits We Have Helped

Months after the storm passed, the County was still faced with tremendous burdens related to the insurance coverage issues and FEMA and MEMA eligibility issues. Jackson County hired Adjusters International to provide professional services for disaster assistance, remediation, restoration and recovery efforts. ...Their expertise with governmental regulations, the complex FEMA process and insurance adjustments resulted in our successful claim for over $2 million in additional FEMA Public Assistance funding specifically; in our successful negotiations with our insurance carrier; and in numerous other increases in the values FEMA and MEMA initially designated for County projects. Jackson County will always be mindful of the help we received from Adjusters International when we needed it most.
Alan K. Sudduth
County Administrator - Board of Supervisors, Jackson County, Mississippi
Testimonial
As soon as we engaged your company, you were able to cut through the bureaucracy and reach the key decision makers. You kept us informed of each twist and turn of your investigation. Within months of your engagement, we had our check in hand. We felt comforted and confident that our situation was given the prompt attention that was needed. I would recommend your services to any in this situation.
Anthony & Barbara Black
Homeowners
Testimonial

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.

  • 108 Owners Corporation Manhasset Condo - New York, NY
  • 1618 14th Street, NW, LLC - Washington, DC
  • 1745 Wazee - Denver, CO
  • 17th Street Revocable Trust - Washington, DC
  • 1860 Larimer St. - Denver, CO
  • 18749C N. Frederick Corporation - Gaithersburg, MD
  • 1st Missionary Baptist Church - Inkster, MI
  • 2108 Bolton Street - Baltimore, MD
  • 218 East Main Street Partnership - Westminster, MD
  • 245 Granby, LLC - Norfolk, VA

Related Resources

  • Publication
    Issue # 3039

    Insurance Coverage For Collapse

    Webster'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....
  • Podcast
    04.02.2018

    Insurance Coverage for Collapse: How Has It Changed and Why?

    Throughout 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? ...
  • Video
    04.26.2017

    Challenges of Collapse Claims

    Bill Rake, Principal at The Greenspan Co./Adjusters International, discusses the challenges of collapse claims for home and business owners
  • Publication
    Issue # 4014

    Buildings and Equipment

    Our 15th edition focuses on a topic often-requested by our readers: Category E Projects – Buildings and Equipment. Author Judy Wolf takes an in-depth look at this subject and aptly reminds readers that “Understanding all the elements and policy considerations that go into developing and implementing all Category E projects...

Contact Us

If you're suffering from a government & non-profit property claim, we can help!
Call us at 800.382.2468 or fill out the form below:
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