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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.

Venetian plaster is a highly durable wall finish that becomes a rock-like substance once dried, making it last longer than most other wall finishes. Its lifespan can range from decades to centuries, potentially lasting a lifetime. Key factors influencing its longevity include the quality of the initial application, whether it's properly sealed against moisture, and how the wall is maintained and treated (e.g., how often it is touched or bumped). Due to its mineral content, it can also develop a patina over time.

It’s not a good idea to plaster over broken plaster (unless by broken you’re referring to cracked, in which case that’s perfectly fine). However, broken plaster can be a sign of a larger underlying issue like foundation damage or severe damage to the lath holding up the plaster, so it’s worth investigating before you simply plaster on top of the damage.

Plaster ceilings can sag for several reasons. In some cases, the plaster and other building materials shift and come apart over time, which is why you’ll commonly find drooping plaster ceilings in older homes. Improper installation, foot traffic, and water damage—often from a leaky roof or a broken pipe—can also cause plaster ceilings to sag.