Doing small repairs around your home can save money and give you a sense of accomplishment. But not every fix is as simple or risk-free as it seems. When it comes to home insurance, some do-it-yourself jobs can actually create problems down the line. If you make certain changes or repairs without following the rules, you might unintentionally void your home insurance policy. That means if something goes wrong, your insurer could deny your claim—even for unrelated events.
Many homeowners aren’t aware that home insurance policies often require repairs to be done by licensed professionals or according to local building codes. Skipping permits or using the wrong materials can put you in a tight spot. Before you tackle your next project, it’s smart to know which fixes could put your coverage at risk. Here are five common DIY fixes around the house that can secretly void your insurance.
1. DIY Electrical Work
It’s tempting to replace outlets, install new light fixtures, or even add a ceiling fan yourself. But DIY electrical work is a top reason homeowners lose insurance coverage. Most policies require electrical systems to be installed or modified by a licensed electrician. That’s because faulty wiring can cause fires or electrical shocks, and insurance companies want to limit their risk.
If you attempt electrical repairs without proper permits or qualifications and something goes wrong, your insurer can deny claims for fire or damage—even if the problem happens months later. It’s always wise to call a pro for anything beyond changing a light bulb or resetting a breaker. This helps protect your home, your family, and your home insurance policy.
2. Unpermitted Structural Changes
Knocking down a wall to open up your living space or finishing your basement can seem straightforward. But structural changes often require permits and inspections to ensure everything meets local codes. If you skip these steps, you may be violating your home insurance policy.
Insurers expect you to follow all local building codes. If you make changes that affect the structure—like removing walls, adding rooms, or altering support beams—without permits, your coverage could be at risk. In the event of a claim related to these changes (or even unrelated damage), your insurer could argue that the work was unauthorized and deny payment. When in doubt, check with your city’s building department or a licensed contractor before starting any major project.
3. Plumbing Fixes and Water Damage
Leaky faucets and running toilets are common annoyances. But when it comes to larger plumbing jobs—like installing a new shower, moving pipes, or adding a bathroom—doing it yourself can backfire. Improperly installed plumbing is a leading cause of water damage, and insurance companies are strict about who does the work.
If a burst pipe or leak causes damage and the insurer finds out the plumbing wasn’t installed by a licensed professional, they may refuse to pay for repairs. This is especially true if you didn’t get the required permits or inspections. Water damage can be expensive and disruptive, so protecting your home insurance coverage is key. Hire a licensed plumber for big jobs, and always follow local regulations.
4. Roof Repairs and Replacements
Roofing is one of those areas where DIY can be particularly risky—not just for your safety, but for your home insurance policy. Whether you’re patching a leak or replacing shingles, improper work can lead to bigger problems like leaks, mold, and structural damage. Insurance companies often require certified contractors for roof repairs and replacements.
If your insurer finds out that you did your own roofing and a claim arises (for example, water damage from a storm), they may deny your claim. Some policies even have specific wording about roof repairs and who is allowed to perform them. Before you climb that ladder, check your home insurance policy and consider the long-term risks. Hiring a pro might cost more upfront, but it protects your coverage and your investment in your home.
5. Installing Wood Stoves or Fireplaces
Adding a wood stove or fireplace can make your home cozier and more energy-efficient. However, installing these heating systems yourself is a classic way to void your home insurance. Insurers require these installations to meet strict safety codes, often demanding professional installation and inspection.
Improperly installed stoves and fireplaces are a major fire risk. If a fire starts and the insurer determines the installation was DIY or didn’t meet code, they can deny your claim. Even if the fire isn’t related to your installation, your entire policy could be at risk. Always use a certified professional and obtain the necessary permits and inspections to maintain your home insurance coverage.
Protecting Your Home Insurance Policy
DIY fixes can be satisfying and cost-effective, but they come with hidden risks. Your home insurance policy is there to protect you from unexpected disasters, but only if you follow the rules set by your insurer and local authorities. Always check if permits are needed, use licensed professionals for major work, and keep documentation of repairs. This keeps your insurance valid and gives you peace of mind.
If you’re unsure about what your home insurance policy covers or what repairs could put it at risk, talk to your agent. Protecting your coverage is just as important as protecting your home.
Have you ever done a DIY project that made you worry about your home insurance? Share your experience or questions in the comments!
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