Homeownership comes with a long list of responsibilities. You want to save money, so you tackle repairs and upgrades yourself. It feels good to fix things on your own. But some DIY fixes can quietly void your homeowners insurance. That means if something goes wrong, your claim could be denied. Most people don’t realize this risk until it’s too late. Knowing which projects can put your coverage in danger helps you protect your home and your wallet.
1. Electrical Work Without a Permit
Changing a light fixture seems simple. But rewiring outlets or adding new circuits is a different story. If you do electrical work without a permit or a licensed electrician, you risk fire and injury. Insurance companies often require proof that electrical work meets code. If a fire starts and the wiring isn’t up to standard, your claim could be denied. Always check local rules and hire a pro for anything beyond basic repairs.
2. Removing Load-Bearing Walls
Open floor plans are popular. Knocking down a wall looks easy on TV. But if you remove a load-bearing wall without proper support, you can cause structural damage. This can lead to sagging floors, cracked walls, or even collapse. Insurance policies usually exclude damage from unapproved structural changes. Before you grab a sledgehammer, consult a structural engineer and get the right permits.
3. Installing a Wood Stove or Fireplace
Adding a wood stove or fireplace can make your home cozy. But improper installation is a major fire risk. Many insurance policies require notification and inspection before you add a wood-burning appliance. If you skip this step and a fire starts, your insurer may refuse to pay. Always follow manufacturer instructions and local codes. Get your installation inspected and approved.
4. Roof Repairs Without Professional Help
A leaky roof is stressful. Climbing up with a bucket of tar might seem like a quick fix. But improper roof repairs can lead to water damage, mold, and even collapse. Insurance companies expect roof work to be done by licensed professionals. If you patch your own roof and it fails, your claim could be denied. For major repairs, call a roofer and keep records of the work.
5. DIY Plumbing Changes
Replacing a faucet is one thing. Moving pipes or installing a new bathroom is another. Plumbing mistakes can cause leaks, water damage, and mold. Most insurance policies require plumbing work to meet code. If you do it yourself and something goes wrong, you could be on the hook for repairs. For big plumbing jobs, hire a licensed plumber and get the right permits.
6. Building a Deck or Addition Without Permits
Adding a deck or extra room boosts your living space. But if you skip permits and inspections, you risk more than fines. Unpermitted structures may not meet safety standards. If someone gets hurt or the addition fails, your insurance may not cover the damage. Always check local building codes and get the right approvals before you build.
7. Installing Pools or Hot Tubs
A pool or hot tub is fun, but it comes with risks. Many insurers require notification and may adjust your policy. If you install a pool or hot tub yourself and don’t tell your insurer, you could lose coverage for accidents or damage. Fencing, covers, and safety features are often required. Always inform your insurance company and follow local safety rules.
8. Removing Safety Features
You might want to take down a railing or disable a smoke detector for convenience. But removing safety features can void your homeowners insurance. If an accident happens and a required safety device is missing, your claim could be denied. Always keep safety features in place and in working order.
9. Using the Wrong Materials
Cutting corners with cheap or improper materials can backfire. For example, using indoor wiring outside or the wrong type of pipe for plumbing. If damage results from using the wrong materials, your insurance may not pay. Always use materials that meet code and manufacturer guidelines.
10. Ignoring Manufacturer Instructions
It’s tempting to skip steps or use shortcuts. But ignoring manufacturer instructions for appliances, fixtures, or systems can void warranties and insurance coverage. If a fire or flood happens because you didn’t follow directions, your insurer may deny your claim. Always read and follow instructions, and keep documentation.
Protect Your Home and Your Coverage
DIY projects can save money, but they come with risks. Homeowners insurance is there to protect you, but only if you follow the rules. Unpermitted work, skipped inspections, and ignored safety steps can quietly void your policy. Before you start a project, check your policy and local codes. When in doubt, call a professional. It’s better to pay a little more now than face a denied claim later.
Have you ever had a DIY project affect your homeowners insurance? Share your story or tips in the comments.
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