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Generally, your homeowner’s insurance might only cover ceiling collapses caused by problems under the coverage, such as a busted pipe. But if the ceiling collapse resulted from owner negligence, maintenance issues, or other reasons excluded by your policy, you could be on your own. Some policies might cover damages caused by the collapse but not the repair itself. Check with your policy carrier for the most accurate information regarding ceiling collapse coverage.

Standard homeowners insurance policies do not cover floods or earthquakes. These natural disasters are only covered by secondary policies or as an add-on via your current provider. This is because not all areas are prone to these types of disasters, so not every homeowner should have to pay for this type of coverage if it won’t be used.

Homeowners insurance covers some damage caused by ice dams, but it depends on the type of damage. Insurance policies will often cover things like interior water damage, roof collapse, and actual shingle damage resulting from ice formation, but it depends on your policy. Check your coverage information or contact your insurer to find out what your plan covers. Keep in mind that any damage caused by implementing a DIY solution to remove ice dams likely won’t be covered.

If a brick house has been properly maintained and has no existing foundation damage, then yes, it can withstand a hurricane. If a house has brick veneer siding, it can withstand winds of up to 150 miles per hour. Brick houses with solid brick walls can potentially withstand hurricane-force winds of up to 185 miles per hour.