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Generally, your homeowner’s insurance might only cover ceiling collapses caused by problems under the coverage, such as a busted pipe. But if the ceiling collapse resulted from owner negligence, maintenance issues, or other reasons excluded by your policy, you could be on your own. Some policies might cover damages caused by the collapse but not the repair itself. Check with your policy carrier for the most accurate information regarding ceiling collapse coverage.

You can repair plaster ceilings yourself after the cause of the ceiling damage has been addressed. However, the repair can easily take 5 hours and can be slightly challenging for those without previous experience. If you do decide to flex your DIY muscle, have a helper to help hold the ladder and pass you the tools for safety purposes.

Plaster ceilings can sag for several reasons. In some cases, the plaster and other building materials shift and come apart over time, which is why you’ll commonly find drooping plaster ceilings in older homes. Improper installation, foot traffic, and water damage—often from a leaky roof or a broken pipe—can also cause plaster ceilings to sag.

Yes, you can use drywall repair techniques for some types of plaster damage. Tiny holes and small cracks in plaster can be patched in similar ways to drywall. You apply the necessary compound to fill the hole, wait for it to dry, then sand it down. For larger damage, like water damage or mold, you need to use plaster-specific techniques and materials.