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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.

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.

Yes, you can install drywall over plaster, but there are important factors to consider. While it can create a smooth, flat surface, it is often not the best approach. Installing drywall over plaster will increase the wall's thickness, which can cause issues with existing window and door frames that may no longer fit. You might also need to adjust power outlets to keep them accessible. A better, though more expensive, option is to remove the old plaster and lath entirely before installing new drywall. Drywalling directly over plaster seals in the old material, and if any problems arise later, you will need to remove both layers down to the structural beams for repairs. Given the potential complications, this job is best handled by professionals.

Only use spackle on plaster walls when the imperfection is small. It’s best used for nail holes or small dings in the plaster. Spackle dries quickly, allowing you to continue the repair process shortly after using it. Plaster can be tricky to repair, though, so if you run into issues, call a pro so that you don’t risk further damage.