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 works extensively in the Santa Barbara and Las Vegas offices as well as on nationwide projects. Matthew utilizes his background in law to methodically handle our most challenging and complex losses with assertive efficiency.

Mr. Blumkin has been the lead public adjuster for over a thousand clients in single-family dwelling claims and mass disasters during many of the recent and most destructive wildfire events in California. During the 2007 San Diego, 2008 Sayre/Station, 2009 Santa Barbara, 2015 Round Meadow and 2017 Thomas wildfires, Matthew represented hundreds of home and business owners whose properties had been partially damaged or totally destroyed. He adjusted hundreds of commercial, industrial, and corporate claims for clients such as The Gildred Company, Santa Catalina Island Company, Fallbrook Plaza Medical Condominium Complex, Los Padres Council/Boy Scouts in Santa Barbara, San Fernando Valley Rescue Mission, Be Wise Ranch and The Historic Mayfair Hotel. 

Matthew is routinely sought out by business managers, financial advisors, insurance brokers, attorneys and accountants to handle insurance claims for their high net worth, personal lines or corporate clients. His ability to work with the team that a client has in place while keeping everyone informed and on task produces an added value for the client and their representatives in a goal orientated process.

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. Mr. Blumkin 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. He served for over two years as the legislative legal counsel to the Federated States of Micronesia, Kosrae. 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 insurance claims handling issues and damage calculations in litigation matters against insurance companies and responsible third-party defendants.

He 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).

Matthew is actively involved with the National Association of Public Insurance Adjusters (NAPIA). He is currently an officer of NAPIA and served on its National Board of Directors between 2012 and 2015.  Matthew continues to enjoy 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 traveling with his wife and two children.

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C. Todd Thomas
Vice President of Risk Management

Todd Thomas is the Vice President at Adjusters International (AI) and Tidal Basin (TB). 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 AI and TB'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 is the Digital Marketing Manager and Website Administrator for Adjusters International and Tidal Basin. Brianna collaborates with nationwide firms and their employees 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 us on the cutting edge.

Since joining Adjusters International and Tidal Basin, 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 social media marketer.

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