Collapse Loss or Wet Rot Loss?

Q

A church we insure recently suffered a collapse loss. The roof collapsed due to rotten timbers, and blew out two walls at the same time. The building is a total loss. The engineering report concluded that the “roof was at the end of its serviceable life.” It also found that many of the framing elements were rotten and vermin infested. Obviously, the roof collapsed because of the weakened timbers.

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