Q: Will my insurance cover ceiling collapse repairs?

• <div><p>Generally, your homeowner&rsquo;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.</p></div>

Question 1

Does mounting a TV damage the wall?

Accepted Answer

•

You will be placing holes in the wall to hang the mounting bracket. If you’re mounting a large TV, the bolts in use could make significant holes around half an inch in diameter. Other than a few holes, though, the process of mounting the TV should not cause significant damage to the wall, unless you make an error and miss the wall stud, tearing out drywall. Should you decide to remove the mount later, the DIY drywall repair cost for a small hole usually is $10 to $30. It’s a repair you can do in a few minutes.

Question 2

What are the differences between plaster and drywall, and which is better?

Accepted Answer

•

Both plaster and drywall are durable wall finishes, but they differ significantly in installation, cost, performance, and aesthetics.

Installation & Cost: Drywall installation is faster and more affordable, typically costing $1.50 to $3 per square foot. It uses premade sheets, making it a more accessible DIY project. Plastering is a labor-intensive craft that requires specialized skills, pushing costs to $2 to $10 per square foot. It involves applying a wet paste over a lath framework.

Durability & Performance: Plaster is generally more durable, longer-lasting, and provides superior soundproofing. It is also a better insulator, which can help reduce energy costs. Drywall is easier to remove for future renovations.

Aesthetics: Drywall provides a smooth, uniform surface ready for paint or texture. Plaster offers a high-end, naturally textured look that can hide imperfections and is often preferred for achieving a classic or historic aesthetic.

Which is better? The choice depends on your priorities. Drywall is ideal for those prioritizing a lower upfront cost, faster installation, and DIY potential. Plaster is the better option for a higher-end project where durability, soundproofing, and a unique, premium finish are more important than the initial cost.

Question 3

Will my insurance cover ceiling collapse repairs?

Accepted Answer

•

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.

Question 4

Can I repair plaster ceilings myself?

Accepted Answer

•

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.

Question 5

How do you fill bad plastering?

Accepted Answer

•

If the holes in the plaster are small, you can fill them with layers of patching plaster until they’re filled. After it dries, you can sand the plaster and paint over it. If the hole is much larger, consider using bonding plaster first and then a layer of patching plaster, completing the process with sanding and a layer of paint.