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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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Q: Does home owners insurance cover the cost of a fallen ceiling in the house?
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Does homeowners insurance cover tree removal?

Whether home owners' insurance covers tree removal depends on the particular policy you have. Many policies, but not all, will cover removal of a tree that has fallen on a house. However, a tree fallen across a driveway may be a different matter. Read your policy and talk to you insurance agent or representative.


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