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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.

Common causes of ceiling cracks along drywall seams include poor drywall installation techniques, structural issues, truss uplift, and foundation problems. Temperature and humidity also play major roles in ceiling cracks flush with the wall. As the drywall shrinks and expands from major temperature changes or extreme humidity shifts, this can cause the drywall to crack.

Although they are used for similar tasks, spackle and joint compound are not the same. Joint compound, also known as drywall mud, consists of limestone and gypsum and is primarily used for large-scale projects like taping and finishing seams on new drywall. Spackle is composed of gypsum and binding agents, making it a thicker compound best suited for small wall repairs like filling nail holes or cracks, as it dries quickly and is easy to sand. For small repairs, either product can be suitable. However, you can use joint compound for small jobs in place of spackle, but you cannot use spackle for large-scale taping and mudding projects.

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.