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Question

Will homeowners insurance cover a collapsing ceiling?

My cathedral ceiling is falling down for unknown reasons. I want it repaired before it causes damage. Will it be covered at all?

Agent Answer

Neil Richardson

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. Unless collapse is specifically excluded from your policy (if you have an open-peril policy) or it is not listed as a covered loss (if you have a named-peril policy), it’s highly likely that you will be covered. Again, you’ll need to contact your company for an exact answer based on your policy type.

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