Doheny West Homeowners' Ass'n v. Am. Guarantee & Liab. Ins. Co.

Opinion

ARMSTRONG, J.

In this case, we consider the scope of collapse coverage in a property insurance policy, an issue which has long been the subject of litigation in other states. The insurance policy before us covered “loss or damage caused by or resulting from risks of direct physical loss involving collapse of a building or any part of a building” resulting from specified causes. We reject the position of a number of states, that such a clause covers only “actual collapse,” and agree with those states, and the trial court here, which find that such a clause covers actual or imminent…