Culvert collapse

Hutto

Hello,

We have a stream running through our garden which enters a culvert running beneath our house.

Is anyone aware of an insurance or indemnity(?) provider that would cover the risk of collapse?

We have buildings insurance in place which covers us for flooding e.g. Culvert overflows but not for collapse (as far as I can see), I assume this will require a specialist policy.

Thanks,

forgotmyname

Would a collapse be attributed to a lack of maintenance?