Property Insurance Roundtable

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


Today we will be discussing the insurance coverage for collapse. 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 in case of collapse and furthermore, how can you help to mitigate a collapse loss to your property? Find out on this episode as we discuss collapse with our experts.

Key Takeaways

  • [01:40] What are common reasons or circumstances that cause a property to collapse?
  • [02:31] What constitutes a collapse loss according to the insurance company?
  • [04:54] If a home or business were to collapse due to a natural disaster would it be covered under a standard property insurance policy?
  • [07:23] How can policyholders protect themselves when it comes to exterior buildings on their property?
  • [10:02] What happens if two variables cause the collapse of a property? How would the policyholder’s claim be handled?
  • [16:11] How can home and business owners protect their property from collapse?
  • [18:05] What happens when policy language is ambiguous when pertaining to a collapse?
  • [21:14] What types of professionals are available to assist policyholders who are suffering from a collapse insurance claim?
  • [24:55] Additional considerations regarding collapse claims.
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Matthew Blumkin is the Managing Principal and an Executive Public Adjuster based in the Los Angeles office The Greenspan Company/Adjusters International. He utilizes his background in law to methodically handle our most challenging losses with assertive efficiency.

Matthew has been the lead public adjuster for hundreds of clients in single-family dwelling claims and mass disasters during many of the recent and most destructive wildfire events in California. During the San Diego, Santa Barbara, Sayre/Station and Glendora wildfires, in addition to the total loss homes, Matthew represented hundreds of homeowners whose homes had been partially damaged or destroyed. He has also adjusted numerous commercial, industrial, and corporate claims, such as Santa Catalina Island Company, Fallbrook Plaza Medical Condominium Complex, San Fernando Valley Rescue Mission, and Historic Mayfair Hotel.

Matthew was born and raised in Encino, California. He attended the University of California, Riverside where he earned his Bachelor of Arts in Political Science and then attended Southwestern University School of Law, where he received his Juris Doctor law degree in 1995. Matthew began his legal career handling litigation matters at several prominent Los Angeles law firms where he represented insurance companies and defended insurance agents, brokers, and attorneys in malpractice and errors and omissions matters. His legal experience and assertiveness have made him a natural fit for The Greenspan Company/Adjusters International.

Matthew continues to pass along his knowledge and experience by teaching continuing education classes to agents and brokers on a regular basis, as well as, at local and statewide seminars put on by the Independent Insurance Brokers and Agents of California (IIBACAL). He has been retained as an expert witness by law firms throughout California regarding claims handling issues and damage calculations in litigation matters against insurance companies and responsible third-party defendants.

Matthew has been retained on numerous matters as a party appraiser and assists in resolving complex litigation and insurance claims through mediations and arbitrations. He is a certified umpire and appraiser through the Insurance Appraisal and Umpire Association, Inc. (IAUA).

He is involved with the National Association of Public Insurance Adjusters (NAPIA) and served on its National Board of Directors between 2012 and 2015. He continues his involvement with NAPIA by serving on various national committees including his current chairmanship of the Continuing Education Committee.

Matthew has been a PADI certified Divemaster since 1998 and enjoys spending time golfing and playing tennis with his wife and two children.

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C. Todd Thomas
Executive Director of Consulting Services

Todd Thomas is the Vice President at Adjusters International. He is also the Chief Consultant and Partner of Adjusters International’s affiliate Sigma Consulting Corp. He has worked in the Management Consulting industry for 23 years. Currently, he works with Adjusters International’s strategic partners to offer the highest quality Risk Management and Disaster Recovery consulting services possible. Thomas has worked in a management capacity on high-profile FEMA, insurance and construction projects since 1996. Thomas regularly serves as an expert witness and Special Master to courts in the area of finance & insurance.

Thomas’ experience assisting public entities, non-profits and other organizations with risk management and insurance includes but is not limited to broker selection, insurance marketing, total cost of risk, risk identification, risk allocation, underwriting, claims, financial risk management, FEMA obtain & maintain compliance, risk analysis, risk management information systems and enterprise risk management.

He is a Fellow of the American Academy of Financial Management (FAAFM), Member of the American Economic Association, Member of the Association of Certified Chartered Economists, a Fellow of the Risk and Insurance Management Society, Member of the Global Risk and Insurance Management Institute, Caribbean Actuarial Association and Member of the Institute and Faculty of Actuaries. Todd is a Chartered Economist (ChE), Certified Risk Analyst (CRA), Certified Organizational Risk Manager (CORM), RIMS Fellow (RF), Fellow of Risk Management (FRM), Chartered Property & Casualty Underwriter (CPCU), Associate in Risk Management specializing in Public Entities (ARM-P), Master Project Manager (MPM), Accredited Financial Analysis (AFA), Accredited Management Accountant (AMA) and Workers Compensation Claims Law Specialist (WCLS).


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Brianna Moyer
Digital Marketing Manager & Website Administrator

Brianna Moyer joined the Adjusters International team in 2014 as the Social Media Specialist and was promoted to Digital Marketing Manager and Website Administrator. Brianna collaborates with AI’s nationwide firms to create robust social media campaigns while assisting the firms with updates to their websites regarding new search engine optimization techniques, content, imagery, the latest technology, and more. She regularly reports to management and the firms while measuring the effectiveness of different strategies. Brianna monitors the latest trends in social media and web design to keep AI on the cutting edge.

Since joining Adjusters International, Brianna has introduced new media ventures such as a podcast series titled, Property Insurance Roundtable and producing video clips. Ms. Moyer writes content for the websites which include blogs, web news stories, and landing pages. She has also been instrumental in creating Standard Operating Procedures for various AI initiatives such as trade shows and disaster plan protocols.

Prior to joining Adjusters International, Brianna worked as an Assistant Business Manager and Sales Assistant at Townsquare Media. In her free time, she pursues freelancing opportunities as a graphic designer and website developer.

For further information on this topic, please read our Adjusting Today article: “Insurance Coverage for Collapse: How Has It Changed and Why?”

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