In my experience, of quoting on repairs that people want the insurance company to pay it would be at the discretion of the loss adjuster - as PP says.
So, if you stick your size 12 through a ceiling that was in good repair they may still pay. If however the ceiling was in poor repair, say water damage from a leak, then they would say tough.
I have not heard about an insurance company cancelling the policy over it though, they simply assess the payout, if any.