ChatterBank8 mins ago
home insurance
our sitting room ceiling crashed to the floor during the night - the insurance company says that they will cover us for damage caused but not for the ceiling as this is down to maintanance - is this correct in all circumstances?
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For more on marking an answer as the "Best Answer", please visit our FAQ.Your contents policy should cover damage to the contents. If there is any cover for the ceiling itself it will be in the buildings policy. Whether there is cover will almost certainly depend on what caused the ceiling to collapse. If there is no external cause (such as the recent earthquake) then there is probably no cover - policies don't cover all eventualities unless they say so, only the situations they say they cover.