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Depends on the specific insurance and the type of structural damage. The question is to vague to be answered adequately here.

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Q: Can your home owners insurance cover structural damage in your home?
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Yes, but it does depend on what the cause of the structural damage was. You need to look at your schedule of covered perils. Home owners insurance policies generally provide coverage for sudden accidental losses such as Fire, Wind, Hail, Falling objects, etc. See your policy schedule for a list of covered perils.


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Does home owners insurance cover the cost of a fallen ceiling in the house?

Yes, home owners insurance will cover the cost of a fallen ceiling. The only time that they will not cover it is if it is due to neglect on your parent of not keep the roof properly maintained on your home and there are signs of damage.


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