[minimalist]

Best include the whole quote: >Some of these can be grounds for being denied insurance coverage in the event of a fire or other damage.

Honestly, I don't know and I haven't personally heard of anyone getting denied claims because of stupid things related to DIY repairs/modifications. I think this repeated wisdom comes from things that we read in HOA and rental agreements about DIY modifications.

I'll edit my comment with a [citation needed]. Thank you for the question :)

It does make me wonder: what if a fire caused by a DIY installation of a ebay gadget resulted in loss of life? If the aggrieved parties went to court, who would be held liable?

Here is another discussion: https://old.reddit.com/r/HomeImprovement/comments/7vwe23/doe...