Maya Pur was sitting in the living room of her home in Philadelphia watching cartoons when the man crashed through the ceiling.
She was taken to hospital in a neck brace after the accident in the northeast of the city on Saturday. The worker was not seriously injured.
Stepfather Jay Roshko said she could have been seriously injured if the workman had fallen just a few inches left of where he landed.
The damage on the roof of the apartment in Philadelphia. Pic: WPVI
He said: "It's amazing how she was sitting right there and he came right down on her head.
"You don't know what to imagine, I was five miles away from home but I came flying here."-Skynews