The ladder is out, the toolbox is open, and confidence is high. Weekend warriors across the country tackle home projects believing they are saving money, adding value, and showing their house some love. Then a fire breaks out, a claim gets filed, and everything screeches to a halt. Suddenly the insurer starts asking questions, the home inspector’s notes resurface, and that proud DIY moment becomes a very expensive regret.
What went wrong is not rare, exotic, or dramatic. It is one of the most common fixes homeowners attempt, and it is quietly voiding insurance policies faster than almost anything else.
