Does home owners insurance pay for your floor falling in?

It really just depends on why your floor is falling in.

Your Homeowner insurance pays for losses that result from the perils named on your policy. Typically, It will pay for damages or repairs that result from Fire, Wind, Hail, Falling Objects etc.

So if or floor is just falling in due to covered peril it would be covered. If it's a maintenance or construction issue then no it would not be covered under your home policy.