Access sets the price: the same copper joint failure is an hour in an open basement and a day for a pipe burst underground.
That is why a quote can rise once a wall is open. Ask for a fixed price to expose and diagnose. Our breakdown of the after-hours bill covers trip fees.
If the main valve will not close
Old gate valves seize. Forcing one snaps the stem or shears the gate off inside the body, and a contained leak becomes an open main.
Try steady pressure and nothing more. Service Stars say not to touch an old valve: a snapped stem is worse than the leak. The meter box outside house walls belongs to the utility.
Master plumber Roger Wakefield says to own that route first: a meter key and wrench cost very little. Waiting until the house floods to find the shutoff is what makes it expensive.
Will homeowners insurance pay for this?
Does homeowners insurance cover a burst pipe?
Usually the damage, not the pipe. Sudden and accidental discharge is generally what a policy responds to, which covers wet drywall, flooring and contents. The failed component and the plumbing labor to replace it are often excluded, and gradual seepage almost always is.
Keep the failed section. A split length of pipe is physical evidence that the failure was sudden rather than a slow leak someone ignored, and that distinction is what the claim usually turns on.
Log the times you found it, closed the valve and the plumber arrived. Policies require prompt mitigation, so a timeline supports the claim.
What happens after the plumber leaves
The repair and the drying are two trades. A plumber fixes the pipe; wet insulation and subfloor are a restoration job.
Wet fibreglass inside a wall cavity rarely dries in place. If water reached materials rather than tile, expect air movers for two to four days.
Ask to be there when the plumber re-pressurises. Bring the system back slowly and walk every joint.