Not Ranked
I work with insurance every week and I will not lecture about any individual case however what I can say is this.
Insurance companies are only ever as good as their claims department.
Not all insurance companies are the same, regardless of price, and not all policies are the same (even with the same underwriter).
Claims have to (usually) relate to a defined event (like a pool ball throught a window). And most policies will exclude wear and tear. The dropped ceiling may have been looked as as wear unless there is a defined event that caused it (eg storm that loosened the roof so rain could leak in and soak the insulation causing the ceiling to drop).
Creativity can be the key.
All the best with the claim and glad it did not happen with your car under it.
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