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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 plaster over regular drywall, but it's essential to prepare the surface properly. Before plastering, the drywall should be clean, free of dust, and any loose or peeling paint should be removed. Applying a primer specifically designed for plastering can improve adhesion. Some professionals recommend applying a base coat of plaster or joint compound to create a better surface for the plaster to adhere to. Proper preparation ensures a smooth and durable plaster finish over regular drywall.

Plaster provides a durable, soundproof, and moisture-resistant finish compared to drywall.

Ceiling-mounted curtains won’t damage the ceiling if they’re installed properly. Using the right anchors or securing the brackets into joists will ensure the curtain weight is properly supported and prevent damage. However, overtightening screws, using weak anchors, or repeatedly removing and reinstalling hardware in the same spot can cause cracking or sagging over time. In that case, you might have to call a pro for ceiling repair.