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The short answer is yes, a sagging plaster ceiling is dangerous. Sagging plaster on a wall is something you should fix immediately, but it isn’t a major concern. If the same type of sagging occurs on a ceiling, however, you could be in danger of your ceiling falling in large chunks. When plaster sags, it loses its strength and ability to hold itself up. The bonds that hold it together are strong, though, so if a sagging area falls, it will take large pieces down with it.

While it’s most common to sand plaster dry, it is possible to wet-sand plaster, too. Doing so can reduce the amount of plaster dust released into the air and make it easier to work in smaller, more delicate areas (such as around wall trim). However, some people find that wet sanding leads to more imperfections, which is why larger walls are more often dry sanded to ensure an even finish.

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.

Drying alone can take 1 to 4 hours to dry to the touch per plaster layer, but some types of plaster take several hours longer to dry. However, this doesn’t mean the job is done because plaster doesn’t fully harden until it cures, which can take a few days to a couple of weeks. It may take even longer if you’re building a new, pretty thick plaster wall. Allow the plaster to cure before painting it.