Can a cracked ceiling collapse?

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Cracks in the ceiling can precede collapse, which may take the homeowner by surprise with disastrous consequences. These collapses are entirely preventable however, and the cracks often indicate that a problem is about to occur.

What is a covered peril in insurance?

Perils (Covered Perils) (Glossary Word) A risk or cause of loss. In an insurance policy, these might include fire, theft or water damage.

Does homeowners insurance cover water damage from leaking windows?

The answer is not as simple as you may think, in most cases, homeowners are not covered for water leaks caused by windows. Insurance policies differ, many insurance companies will only cover and pay for the “ensuing damage” caused by the leaking windows, but will not pay for the actual repair of the window itself. Jan 4, 2022