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.
Even though your wife isn't supposed to drive, she still has regular access to the vehicle. Your spouse must be listed to account for a person of driving age that lives in your house.
Auto insurance policies are meant to protect your vehicle if it is damaged as the result of a covered loss. Unfortunately, breakdowns, wear and tear, and warranty issues are not covered on a traditional auto policy.