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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.

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.

Wondering who to call for ceiling repair? While you can hire a handyperson to fix minor cracks, you’ll want to hire a drywall professional for larger issues. Depending on the cause of the crack, you may need to hire other contractors, such as a foundation contractor, mold remediation company, roofer, or plumber near you.

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.