Our insured bought a seasonal residence in Michigan. We insured it on an HO 00 03 10 00. Last winter brought some unusually heavy snows, and, during the course of the winter the roof began to sag to the point where the residence became unsafe to live in. Some contents were damaged.
We turned the claim in to the insurer, who sent a roofer and an engineer. The engineer determined the home had not been built to code, and now the insurer is denying coverage, stating that the loss was collapse caused by the use of defective methods in construction, but since the collapse did not occur in the course of construction there is no coverage. Michigan, by the way, interprets “collapse” as being “structurally impaired,” rather than being reduced to a heap of rubble.
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