Can you give us the details, What was list priceWhat did you offerWhat was their minimum to hud counterWhat did they accept, I assume this is same as second answerHow long after the "countered" did they come back and accept your offer?

The way I countered this (still not as good as buying a note with idle cash but I have checkbook control) is the money paid out from a note fund I invested in is at Axos bank.

As a result, my bill has effectively risen from $500 bi-monthly to $700 monthly since the pipe replacement.

However, when you have so many 5s to counter it, it doesn't matter.

Most likely galvanized pipes. 

Upgraded electrical, gas piping, and rehabbed the casita.

Hire a cheap crew to tunnel and the real plumber to set and replace the pipe. 

A lot of the sewer pipes here are old terra cotta and they can easily crack or shift over time.

It typically pays out actual cash value (ACV) for damages.DP-2 (Broad Form): DP-2 policies provide more comprehensive coverage than DP-1, covering additional perils like burglary, freezing pipes, and falling objects.

Make sure to have your pipes insulated also.