Legs through Ceiling Accidental DamageAccidents do and will always happen in your Home. 
The definition of accidental damage is fairly uniform across home insurance policies: damage that occurs suddenly as a result of an unexpected and non-deliberate external action. In layman’s terms, that usually means an unintentional one-off incident that harms your property or its contents.Screw through a pipe accident

So general wear and tear or damage that occurs gradually will be excluded. A large number of AD claims result from DIY damage for common accidents, such as bursting a water pipe with an ill-placed nail will usually be accepted, a child removing a radiator from a wall etc. If you are not sure we will advise you, so give us a call.