DIY plumbing not covered by insurance
A plumbing failure due to a construction or workmanship deficit is one that will not be covered by a general homeowners insurance policy. There are workmanship exclusions included in the fine print of a homeowners insurance policy that exclude work done by either a contractor or a homeowner. This is why licensed plumbers carry a separate general liability insurance policy.
Anybody that has ever had a plumber come out for a service call knows that it can get quite expensive. One of the biggest reasons plumbers charge what they do is the extreme liability that comes with working on a highly pressurized system. When you have a supply line that has a bad connection, joint, or hose it is going to create devastating problems within a matter of minutes. An open water line runs at a much higher flow rate than any fixture throughout your home. I have been called out to repair a burst pipe that was on the second floor of a home. The leak started sometime during the day when the homeowners were at work. By the time the homeowner made it back from work, there was over $40,000 worth of damage to their home. As a licensed plumber in Overland Park, I see this happen on a regular basis.
Luckily this plumbing failure was due to a faulty hose connector and not the result of poor or improper workmanship. It can be awfully tempting to try and save a few bucks by doing your own plumbing. It”s not a matter of having the ability or knowledge to make the repairs it”s a matter of being covered if a problem comes up. Even as an experienced master plumber I would not attempt any plumbing repair if my liability insurance did not specifically include plumbing or was not current and up to date.