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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.

Yes, you can apply new plaster over an existing plaster surface, such as a wall or ceiling, provided the old plaster is in good condition. Before you begin, check the stability of the existing plaster. The surface must be clean, free of loose material, and have no peeling paint. It is also recommended to roughen the surface slightly to promote adhesion. For older plaster, applying a base coat like a PVA emulsion or a specific bonding agent or primer is crucial. This step makes the existing plaster less porous and ensures the new and old layers adhere properly for a smooth, long-lasting finish.

All plaster walls will crack over time due to normal house settling and expansion and contraction from temperature and moisture changes. Small, thin hairline cracks are generally not serious and are mostly a cosmetic issue. However, larger or more significant cracks can indicate structural problems.

Here's how to tell the difference:

• Cosmetic Cracks: Cracks that are 0.5 cm (0.2 inches) or thinner are typically cosmetic.

• Structural Cracks: Cracks wider than 0.5 cm, excessive or deep cracks, multiple cracks in the same area, or cracks that span around corners can signify a structural or foundation issue. Cracks along the joints where walls meet the ceiling also warrant attention.

For cracks wider than 0.5 cm, structural repair is needed. If a crack is 2.5 cm (1 inch) or wider, or if you notice any signs of a structural problem, it is best to contact a plaster repair professional to assess the damage.

Although they are used for similar tasks, spackle and joint compound are not the same. Joint compound, also known as drywall mud, consists of limestone and gypsum and is primarily used for large-scale projects like taping and finishing seams on new drywall. Spackle is composed of gypsum and binding agents, making it a thicker compound best suited for small wall repairs like filling nail holes or cracks, as it dries quickly and is easy to sand. For small repairs, either product can be suitable. However, you can use joint compound for small jobs in place of spackle, but you cannot use spackle for large-scale taping and mudding projects.