Access, not the fitting, sets the price. The same copper joint failure is an hour of work in an open basement and a day of work under a slab, where the plumber has to locate the leak, break concrete, repair, and then make good.
That is also why a quote can legitimately rise once a wall is open. Ask for a fixed price to expose and diagnose, then a quoted repair once the damage is visible. Our breakdown of what emergency plumbing repair costs covers trip fees, minimums and the after-hours multiplier.
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, even pressure and nothing more. If it will not move, go outside to the meter box near the kerb. That stop belongs to the water utility and is operated with a meter key, and your water company will close it for you if you call and say the interior valve has failed.
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 too: when you found it, when you closed the valve, when the plumber arrived. Policies generally require prompt mitigation, so a clear timeline supports the claim rather than undermining it.
What happens after the plumber leaves
The repair and the drying are two different trades, and people are regularly surprised by the second bill. A plumber fixes the pipe. Wet insulation, drywall and subfloor are a restoration job.
Wet fibreglass insulation inside a wall cavity rarely dries in place, and closed cavities are where mold problems start. If the water reached materials rather than tile, expect a drying contractor with air movers for two to four days.
When the plumber re-pressurises, ask to be there. Bring the system back slowly and walk every joint on that run, because a pressure spike sometimes finds the next weak point immediately.