Does Home Insurance Cover Ceiling Damage

Does Home Insurance Cover Ceiling Damage?

A damaged ceiling can be a major inconvenience and a potential hazard. If the damage is the result of a covered peril, homeowners insurance may provide coverage for the repairs. However, not all ceiling damage is covered. The type of coverage you have, the cause of the damage, and the age of your home can all affect whether your insurance will pay for repairs.

Covered Perils

Home insurance policies typically cover damage caused by certain perils, such as:

Fire
Lightning
Windstorms
Hail
Explosions
Water damage from a covered source, such as a burst pipe

If your ceiling is damaged by one of these covered perils, your insurance should cover the cost of repairs, minus your deductible.

Excluded Perils

There are some perils that are not covered by standard homeowners insurance policies, such as:

Earthquakes
Floods
War
Nuclear accidents
Intentional damage
Wear and tear

If your ceiling is damaged by one of these excluded perils, your insurance will not cover the repairs.

Age of Your Home

The age of your home can also affect whether your insurance will cover ceiling damage. Older homes are more likely to have structural problems, such as cracked or sagging ceilings. These problems are often not covered by insurance, even if they are caused by a covered peril. If you are concerned about ceiling damage, you should talk to your insurance agent to make sure you have adequate coverage. You may also want to consider purchasing additional coverage, such as an endorsement for earthquake or flood damage.

Filing a Claim

If your ceiling is damaged, you should file a claim with your insurance company as soon as possible. The insurance company will send an adjuster to inspect the damage and determine whether it is covered by your policy. Once the adjuster has determined that the damage is covered, the insurance company will issue a payment to you for the repairs. You will be responsible for paying your deductible.