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.


Matthew Blumkin is the C.E.O. and Managing Principal of The Greenspan Company/Adjusters International and based in the Los Angeles office. He works extensively throughout Southern California, Nevada, and on many of our nationwide projects for clients. Matthew utilizes his background in law to methodically handle our most challenging and complex losses with assertive efficiency.

Matthew 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 and Montecito Mudflows and 2018 Woolsey wildfire. He represented hundreds of home and business owners whose properties had been partially damaged or totally destroyed. Matthew oversees our extensive team adjusting approach on matters to set out action plans, damage quantification processes, and resolution strategies to move the claims process toward resolution.

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. Additionally, he has adjusted numerous 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, Malibu Bay Club, Malibu Bay Owners Association, Mark Seliger Studios and The Historic Mayfair Hotel. 

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.

Matthew 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 and serving as the Officer in Charge of the Budget and Affiliate Membership Committees.

Matthew has been a PADI certified Divemaster since 1998, actively involved in many local charitable organizations including the Water Buffalo Club in Los Angeles and enjoys spending time golfing and traveling with his wife and two children.


BriannaMoyer Headshot
Brianna Moyer
Digital Marketing Manager & Website Administrator

Brianna Moyer is the Digital Marketing Manager and Website Administrator for Rising Phoenix Holdings Corporation (RPHC) and its subsidiaries. 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 the RPHC team, 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?”