DIY disasters can wreck insurance claims

July 4, 2025

DIY disaster… can I still make an insurance claim?

Taking on DIY projects can be a great way to improve your home and save some money, but it could also leave you seriously out of pocket if things go wrong. According to trades site MyBuilder.com, millions of homeowners could find their insurance claim is rejected due to botched or poorly maintained DIY work.

Many home insurance policies have clauses that require properties to be kept in good condition. If damage occurs due to poor maintenance or bad DIY attempts, insurers may refuse to pay out. This doesn’t just apply to major renovations, even something as simple as failing to clear your gutters could invalidate a claim.

Andy Simms, a home maintenance expert at MyBuilder.com, warns, “It’s easy to fall behind on home jobs, or think you can manage it yourself. But the reality is that many household jobs require a professional and in choosing to ignore that you could cost yourself a small fortune.”

Jobs involving electrics, heating systems, or boilers should always be left to certified professionals. What might seem like a straightforward fix can lead to major damage and if it’s traced back to a DIY blunder, your insurance might not cover the repair bill. When in doubt, it’s safer to call in the experts.

As with all insurance policies, conditions and exclusions will apply

Posted in Housing, Insurance, Mortgages, News

Share this post:

Latest reviews

Fuse Financial has a reputation for exceedingly high professionalism and client care. The reviews come directly unedited from Google Reviews.

Neil Favell

**Exceptional Mortgage Broker Experience**

I recently had the pleasure of working with Nicky to secure my remortgage, and I couldn't be more satisfied with the service provided. From the beginning, Nicky and the Fuse Financial team demonstrated professionalism, patience, and dedication to finding the best rates tailored to my specific needs.

Their extensive knowledge of the market and clear communication throughout the process made what could have been a stressful experience incredibly smooth and efficient. Nicky was always available to answer my questions, provide guidance, and ensure that I felt comfortable with every step of the remortgage process.

I am grateful for their hard work and would highly recommend Fuse Financial to anyone in need of mortgage services. Their commitment to their clients is evident, and I have no doubt that they will continue to go from strength to strength.

Thank you, Nicky, for your outstanding support and expertise.

Lisa Aplin

Mel was a wonderful guide and support during my journey as a first time buyer. As a business owner I was a little more complicated than some applicants but she was a great support when dealing with the solicitors on my behalf when I was busy or finding it difficult. She answered any questions I had and explained things in a way I could understand. I am now the proud owner of my first house after renting flats for many years! I couldn’t be happier! Thankyou Mel and fuse financial for everything!

Gan Kaurn

i'm working with Mel more than 13 years for all my BTL mortgages need and she always take care of every aspect to smooth complete.

paul spencer

Great service form Nicky Lane, excellent communication and very helpful with lots of experience when dealing with mortgages, I couldn't run my business without her knowledge and expertise. Would highly recommend to anyone looking for a good deal!

James Taylor

Nicky was brilliant with arranging a new mortgage rate, making sure everything was done at the earliest opportunity to take advantage of rate drops where possible.

Very clear communication of exactly what was required made the whole process seamless.

Highly recommend!

David

Excellent service as always. I would highly recommend.

Maxwell Hyde

We've used Fuse (via Nicky Lane) for our past couple of remortgage's, the last including borrowing additional money against the equity in the house. Being self-employed has many advantages, obtaining a mortgage is definitely not one of them! Having had previous bad advice from other mortgage advisors, we found Nicky to be very knowledgable, helpful and sympathetic to our individual needs, and explained all the various options to us in a way we could easily understand. Best of all she dealt with the various mortgage providers directly, meaning we didn't have to do this ourselves, and made sure we received the best and most affordable mortgage for us. We'd definitely recommend Fuse to others who's knowledge of finance isn't enough to confidently do it yourself...

Daniel Smith

I honestly can't thank Nicky at Fuse Financial Ltd enough! She helped me secure a shared ownership mortgage during a really difficult time, and her support was nothing short of incredible. From day one, she was responsive, knowledgeable, and genuinely cared about helping me get the best possible outcome.

The process was far from straightforward, but Nicky handled every hurdle with professionalism and a calm, can-do attitude that made all the difference. She kept me informed every step of the way and always went the extra mile to make things happen—even when it looked like the odds were stacked against me.

Thanks to her, I’m now in my new home, and I truly couldn’t have done it without her. If you're looking for someone who knows their stuff and will actually go the distance for you, Nicky is the one. Highly, highly recommend!

rikesh mandalia

Exceptional service from Nicky, as always.

We’ve been working with Nicky since 2020, and on every occasion when our mortgage has come up for renewal, she has taken great care of us.

We recently completed our remortgage, and Nicky went above and beyond, monitoring rates closely and promptly letting us know when they dropped, ensuring we benefited from the best possible deal.

She’s always available to answer questions, provide guidance, and liaise as needed to make sure everything runs smoothly.

We honestly can’t thank Nicky enough for her continued support.

Best regards,

Rik

Michaela Duke

Nicky at Fuse Financial has been absolutely amazing all the way through our house purchase. She talked through all of our mortgage options with us, and continued to ensure we were getting the best rate, right the way up to exchange. Communication throughout was always excellent, and she always made sure we understood what was happening during the process. She kept in regular contact with our solicitor as well, and helped to move things along. Nicky was also able to discuss and arrange our protection needs, as well as providing us with information on other services we needed. We would definitely recommend Nicky and Fuse Financial and will use again in the future!