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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.

Pool plaster lasts about 10 years on average for a pool with regular use. Over time, the plaster will degrade and may chip, peel, or crack. Once your pool plaster starts showing signs of age, plan to have it replastered once the weather is right to prevent further damage.

Although their applications are very similar, no drywall compound and spackle are not the same thing. Spackle is a bit thicker and is used to patch holes as it dries quickly and is easy to sand. Joint compound shrinks a bit more and can be more temperamental to spread. However, one benefit is that you can use joint compound as spackle (for small jobs), but you can’t use spackle as joint compound.  

You can apply plaster over plaster, but before you do, check the stability of the existing plaster. If it’s been there for a while, it may require a base coat of PVA emulsion. This will make the existing plaster less porous and ensure the new and old plaster adhere properly.