Home Insurance Ceiling Collapse
We have seen ceiling collapses that have been caused by pressurizing of the attic with high winds after a gable end wall failure, from someone stepping on the drywall rather than the ceiling when in an attic, or from excessive or heavy contents being stored on the drywall between the ceiling joists rather than on the ceiling joists.
It really depends on what is causing the collapse of the ceiling, but it is very likely to be covered unless the collapse occurred due wear and tear or negligence. Ultimately that decision is going to be up to your homeowners insurance company based on the terms and coverage of your policy, so you will need to contact them directly the inquire about your coverage.
Water damage is one of the most common causes of home insurance claims.According to ISO, Water damage claims are the second largest frequent insurance claim, following wind and hail damage.The percentage of claims due to water damage is also increasing, while other causes of damage have stayed fairly consistent or even decreased.
Water damage is never fun to deal with. It can take weeks or even months to notice, but by the time you do, it's usually too late. To make matters even worse, your home's air conditioning unit also has the potential to cause water damage to your home, if not properly maintained.
Pennsylvania General Insurance Co., (18) collapse coverage was triggered when a front corner of the plaintiff's home actually fell down and a window casement separated from the wall. Notably, where a partial collapse is at issue, coverage generally applies, if at all, only to that portion of the structure that suffers "direct physical loss or damage."
Wear and tear is one thing but when a ceiling collapses, that is totally another issue that could potentially meet the test of a covered insurance loss since the collapse was sudden and accidental and you certainly did not intend for the ceiling to collapse.