Subject to language variations, the intent and effect of collapse coverage is similar in both forms. This is a result of long experience with the exposure and the objective of providing fair treatment for it. Damage to covered buildings and personal property, caused by the collapse of a building or any part of it that is generated by any of the named perils, is covered. There is clearly no coverage as a result of collapse from observable deterioration, wear and tear. Hidden insect or vermin damage.
Termites are the familiar offenders.
Their infestation is often unknown until costly repairs and treatment are necessary. 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.