thanks for the advice guys, have been talking to a number of friends and family over the last few hours and they say pretty much the same. I could try and blame the guys who put up the insulation but it would be a waste of time and effort. Thankfully I have a builder friend who says it would take him a few hours to replace so I'm going to get my hands dirty with him. Once again, thanks for the advice JFardoulis

Hiya This is the first time I have ever tried to claim for insurance so I'm a total newbie. Last night I came back from work with my wife and discovered that about a quarter of the bedroom ceiling had collapsed on to my bed (thank goodness we werent in it when it fell). As far as I know, there has been no water damage leading to this event, the closest I can think to why it happened was some new loft insulation we had put up a month or so ago - the guys who put it up may have put pressure on the ceiling when doing the job and this contributed to it. The roof is 2 years old. Anyway, I rang the insurance company and they told me that if it's wear and tear, it's not part of the policy and couldnt be claimed against - is this right?!?! Does anyone have any idea when you can claim for something like this or does it vary greatly from policy to policy? If I am in the wrong place to post this kind of question, do let me know. Thanks JFardoulis