Why DIY Electrical Work Can Void Your Home Insurance

Jul 29

With so many DIY tutorials online, it's tempting to take on electrical work yourself—especially when it seems like “just” installing a new outlet or replacing a light fixture. But what many homeowners don’t realize is this: doing electrical work without a licensed professional can void your home insurance.

Here’s why it’s not worth the risk.

⚠️ 1. Insurance Companies Require Code-Compliant Work

Your home insurance policy assumes your home’s electrical system meets local building and safety codes. If you make electrical changes that don’t meet code—or worse, cause damage—your insurer may deny any claims tied to the work.

🛑 Even a small electrical fire caused by DIY wiring can leave you holding the bill if the work wasn’t done (and documented) by a licensed electrician.

🔌 2. Unpermitted Work = No Coverage

Many types of electrical work—like replacing panels, running new circuits, or installing EV chargers—require permits and inspections. If the work was done without permits or failed inspection, your insurance provider can legally deny coverage in the event of a fire or electrical failure.

🔥 3. DIY Mistakes Can Lead to Fires or Injury

Incorrectly wired outlets, overloaded circuits, or poor grounding are more than just code violations—they’re fire hazards. Insurance companies investigate fire claims closely. If the fire is traced back to unlicensed electrical work, your claim can be denied completely.

📷 4. Insurance Adjusters Look for Red Flags

If you file a claim after damage, an adjuster will inspect your home—including the electrical system. Signs of DIY wiring (loose wires, wrong gauge wire, non-code boxes, or unmarked work) are immediate red flags.

They may ask:

Who did the work?
Was it permitted and inspected?
Can you provide receipts or proof?

If you can’t answer confidently, it may cost you big.

👷 5. Licensed Electricians Provide Protection

Hiring a licensed electrician doesn’t just get the job done right—it protects your home and finances. Licensed pros:

Pull the correct permits
Perform code-compliant work
Carry liability insurance
Document everything

This gives you proof of proper installation, which insurance companies love.

🏠 Bottom Line: Don’t Risk It

DIY electrical work might save you a few bucks now, but one small mistake can void your insurance and cost you thousands later. When it comes to wiring, panels, and power—it’s just not worth the risk.

At Downpour Electric, we make it easy. We’re fully licensed, insured, and experienced in residential work across Kitsap County. Whether it’s a panel upgrade, EV charger, or troubleshooting a tricky outlet—we’ll do it right, so your home and your insurance stay protected.