Vera v. Liberty Mutual Fire Ins. Co.

Summary

The court held that an insured seeking coverage under an undefined collapse provision must show that an otherwise intact building is in imminent danger of falling down or caving in. Because the plaintiffs' expert concluded that their basement walls were not in imminent danger of collapse, the court adopted that standard in answering the certified question. The court did not decide whether the plaintiffs ultimately satisfied the standard or whether coverage was owed.