Policyholder Question on Ceiling Collapse Insurance Claim

by Charles R. Tutwiler on 11/3/2013

Q. We own a home that was built in 1964. Last Saturday our family room ceiling collapsed. There does not appear to be any moisture. The insurance company is telling us it’s normal wear and tear, the insulation was too heavy and thus the damage is not covered. There are no cracks in the ceiling, no sagging and our home is well maintained. Any thoughts on the cause? Our roof was replaced in May of 2010.

A. While I have not seen your loss in person, I suspect that the insurance company is probably incorrect on their denial. I’ll assume you have standard homeowners all risk or open perils policy. Look to see if you have collapse coverage in the policy. Even if it is not specifically stated as collapse, you should have coverage for the resulting damages. Call or write the claim manager or vice president of claims and file a complaint. 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. Good luck

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My home was made in 2004,i have 4 out of 5 rooms with water staines. The first week in December my back room the ceiling collapsed. That week we had heavy down for that that back room had a leak and i called the insurance company and they said it was normal wear n tear so they denide me! So back to the presant with the collapse and water staines i called again. The first adjuster said it wasn't normal wear n tear and the second one said it had to do with the instalation but he added they will probably denie me again. What should i do? I don't have the mony to fix it.

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