If a weight bar dropped onto floor cause ceiling damage below is that covered?

Whether the damage caused by a dropped weight bar is covered depends on the specifics of your insurance policy. Most homeowners or renters insurance policies cover accidental damage, which may include ceiling damage caused by a dropped object. However, coverage can vary based on policy exclusions and limits, so it's important to review your policy or contact your insurance provider for clarification. If the damage is due to negligence or a lack of maintenance, it may not be covered.