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Insurance Coverage Q&A: Hidden Wear and Tear

How does the age of a structure affect a denial of coverage for "wear and tear"?

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Insured had a ceiling fall down in a rental unit in Washington DC. The building was built in the late 1940s with plaster ceilings; about a third fell down for no apparent reason. There was no water or vermin or decay. There is an upstairs unit (3 story, 4 unit apt bldg). Travelers declined coverage due to age and faulty fasteners. This is the first time this building has suffered a loss; no rust or water issues. The adjuster says the loss is not covered due to age/wear and tear/faulty fasteners. I disagree, as the building is in excellent shape with no signs of age.

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