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.
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Policyholder Question on Ceiling Collapse Insurance Claim

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