Which of the following causes of collapse is NOT covered under a homeowners policy?

In the context of homeowners insurance, certain causes of collapse are detailed under the policy’s coverage provisions. Typically, a homeowners policy is designed to provide coverage for sudden and accidental events that can lead to a collapse, such as extreme weather conditions (like heavy snowfall) or unforeseen structural failures resulting from hidden damages.

Foundation cracks do not usually fall under the scope of covered collapse causes. This is because foundation issues are often considered to be the result of long-term wear and tear or maintenance neglect, rather than a sudden, covered event. Insurers generally regard these foundation problems as part of the homeowner's responsibility for regular maintenance and repair, thus making them not eligible for coverage in terms of collapse.

In contrast, causes like the weight of snow or even the effects of hidden insect damage often fall within the parameters of what policies will cover, as these are considered sudden and unexpected occurrences that can directly lead to structural issues. The weight of many people attending an event is usually covered under liability and not specifically under property collapse provisions.

Understanding these specifics helps homeowners grasp the bounds of their coverage and maintain the structural integrity of their property while fulfilling their responsibilities in maintenance.