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If you haven't read the backstory, it's here. and an analysis of what happened is here Quick Summary One turbulent night a little while ago, our wall blew down during a newbuild. It was unlucky: just the wrong weather at just the wrong moment. Our builder says that there was no guidance on the ICF producer's website. Verbally , the MD implied that the builder lacked common sense in building so high without pouring to stabilise the build. The production company give no specific guidance on how high to build before pouring or propping. The Loss Adjuster visited last week, and today, the Insurance company has sent me this email: in brief, it's the builder's fault. He should have braced the build,or poured. Here, verbatim (anonymised) is the response from the Loss adjuster. Following a review of our Surveyors report I note that the blocks had been dry stacked. The builder appears to have laid out too many course of block, without being filled with concrete or propped in the interim whilst await the concrete pour. Our Surveyor states that the safe working method would be prop any loose block work when dry stacked and that this ought to have been done until the concrete was poured. The policy provides cover on an All Risks basis, subject to certain exclusions. One such exclusion has material relevance to the claim at hand:- 7 Defective Property Loss of or damage to and the costs necessary to replace, repair or rectify the Insured Property: a) which is in a defective condition due to a defect in design, plan, specification, materials or workmanship of which Insured Property or any part thereof Based on the information available to us the only reasonable conclusion is that the wall would not have collapsed had in been propped. Following my verbal explanation as to the lack of policy cover available you advised that further information will be made available to support the claim, specifically weather records from Cambridge (sic!) University confirming a gust of 70mph was responsible for the wall being blown down and a time lapse video to show the wall had been built correctly. Ok, folks if this had happened to you, what would you do next?