The short answer
HO-3 covers sudden collapse caused by hidden decay, hidden insect damage, weight of contents or snow/ice, or defective construction — if damage is 'entire collapse.' Cracking, bulging, settling, or expansion is explicitly not collapse. Foundation issues from soil movement usually need separate endorsements.
Frequently asked
- Are sinkholes covered?
- Only in FL and TN by law, or by endorsement elsewhere.
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