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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.

Damp plaster does dry out, although the drying time depends on several factors, including the type of plaster, the surrounding temperature, moisture content, and the extent of the dampness. Sometimes, it can take weeks or months for wall plaster to dry naturally.

Plaster is a pretty tough surface, but it can still sustain damage from things like bumping against it, water issues, dampness, extreme humidity changes, and plain old age. Most plaster walls last hundreds of years and will only be taken down to the base layer when major repairs are required. Being cautious around the wall, not placing furniture against it, and ensuring stable humidity are all great ways to reduce possible damage.