Coverage would apply if, for example, the insured had no knowledge of flooring infestation and air conditioning or water heating equipment fell through as a consequence. If the insured had known of the problem and ignored it, there would be no recovery. Weight of contents, equipment, animals or people. Assume, for example, that an insured moved a grand piano into an upper room of a restored 1890s house. The floor collapsed with major structural damage and loss involving the piano and other personal property.
Coverage is applicable.
Weight of rain that collects on a roof. The occurrence that is contemplated most likely involves a flat roof. Coverage for roof collapse extends to structural damage and loss to contents. Use of defective material or methods in construction. The potential for loss is especially substantial when a dwelling is furnished during the course of its remodeling.