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The short answer is yes, a sagging plaster ceiling is dangerous. Sagging plaster on a wall is something you should fix immediately, but it isn’t a major concern. If the same type of sagging occurs on a ceiling, however, you could be in danger of your ceiling falling in large chunks. When plaster sags, it loses its strength and ability to hold itself up. The bonds that hold it together are strong, though, so if a sagging area falls, it will take large pieces down with it.

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.

Technically speaking, you can use drywall primer over plasters. However, oil-based primers work the most effectively on wall plasters. Meanwhile, water-based primers work just as well with drywalls. Nowadays, there are also universal primers suitable for drywall and plaster. Overall, you will be fine as long as you are using a trustworthy brand.

Your walls are likely cracking due to fluctuations in the temperature outside. Drywall tends to expand and contract when temperatures and humidity levels change, and this repeated movement can lead to cracks in your walls, particularly around door frames. If you have multiple diagonal cracks, you may want to have your foundation inspected, as cracks can also be a sign of a bigger issue.