Which situation would NOT result in coverage under the homeowners policy for collapse?

The collapse coverage under a homeowners policy typically addresses situations that are sudden and accidental, rather than gradual deterioration or maintenance issues. In this context, foundation cracks are often seen as a sign of long-term wear and tear or structural problems that develop over time. Insurance policies generally do not provide coverage for issues resulting from neglect or failure to maintain the property, which includes foundation-related issues.

On the other hand, situations like excessive weight from people or snow, or damage from hidden insect or vermin infestations, can lead to a sudden collapse that is covered under the policy. These scenarios are viewed as unforeseen and can pose immediate risks, aligning with the intent of collapse coverage in homeowners policies.