Ceiling of Garage Collapsed

[Amby Bhagtani]

I acquired a property 6 months ago and today I heard from my property manager that the ceiling collapsed. Luckily no damage / injury but has anyone faced this situation before and does insurance cover these scenarios? It wasn't due to a storm or anything like that 

[Bill B.]

If it’s only a drywall ceiling that collapsed with no damage to be vehicles/property or injuries I would be hesitant to make a claim. After the deductible (which should be $2,500-$5,000) it could only take a couple years for higher premiums to to exceed the claim. Especially if you have multiple properties with the same company. 

I’ve only had one collapse. Weirdest thing. Draining the pool down the sewer system too fast created a “downdraft” that caused an upstairs toilet blow water past the wax ring. Caused enough water damage to cause a partial collapse. (Went from no water stains to waterfall in 30 minutes and stopped as soon as pool guy stopped draining it.) weird stuff. Wasn’t very expensive but was pry 10 years ago and our garages are only level 1 finished drywall/mud.