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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.

You can put certain types of plaster over other types, but doing so isn't always the best idea. For example, putting a coat of gypsum over lime plaster is possible, but doing so will limit the lime plaster's breathability and potentially affect its performance.

Since cement plaster tends to leave a textured surface, no matter how much you smooth it, some people prefer to use gypsum plaster as a topcoat over cement plaster, creating a smoother surface.

Common causes of ceiling cracks along drywall seams include poor drywall installation techniques, structural issues, truss uplift, and foundation problems. Temperature and humidity also play major roles in ceiling cracks flush with the wall. As the drywall shrinks and expands from major temperature changes or extreme humidity shifts, this can cause the drywall to crack.

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.