Generator Filters – Air, Oil, Fuel & Hydraulic Filters

Generator Filters: The Complete Guide to Oil, Fuel, Air, and Coolant Filtration

Generator filters are the first line of defense protecting your engine from contaminants that cause premature wear, reduced efficiency, and catastrophic failure. Despite their low unit cost—typically $8 to $120—filters are among the most consequential components in your generator system. A single failed oil filter can destroy an engine worth $15,000 or more. This guide covers all four filtration systems with selection criteria, replacement intervals, and maintenance best practices that maximize filter performance and generator longevity.


Generator Filter Types at a Glance

Filter Type Protects Against Consequence of Failure Typical Interval
Oil Filter Metal particles, carbon, dirt, combustion byproducts Bearing seizure, cylinder scoring, complete engine failure Every 250 hours or annually
Fuel Filter (Primary) Water, rust, sediment, microbial growth, asphaltines Injector damage, pump wear, engine stalling, power loss Every 500 hours or annually
Fuel Filter (Secondary) Fine particles passing through primary filter Injector nozzle erosion, poor atomization Every 500 hours or annually
Air Filter Dust, sand, pollen, soot, airborne debris Cylinder bore wear, ring damage, 10–15% fuel penalty Every 250–500 hours
Coolant Filter Scale, rust, casting sand, chemical precipitates Water pump failure, radiator clogging, overheating Annually (if equipped)
Breather Filter Crankcase gases and oil mist Pressure buildup, oil leaks, emission compliance Every 500–1,000 hours

Generator Oil Filters: Selection and Maintenance

Oil filters remove contaminants generated by normal engine operation—metal wear particles from bearings and cylinder walls, carbon from combustion blow-by, and external dust that bypasses the air filtration system. Modern diesel generator engines use full-flow oil filtration with a bypass valve that opens if the filter becomes clogged, ensuring oil continues circulating even with a blocked filter.

Key Oil Filter Specifications

  • Micron Rating: Quality filters capture particles down to 10–25 microns. Premium synthetic media filters achieve 5–10 micron efficiency at 98%+.
  • Bypass Valve Setting: Typically 8–16 PSI differential. The valve opens when the filter is clogged to prevent oil starvation—but sends unfiltered oil through the engine.
  • Anti-Drainback Valve: Prevents oil from draining out of the filter when the engine stops, ensuring immediate oil pressure on startup. Critical for generators with high-mounted filters.
  • Burst Pressure Rating: Must exceed maximum cold-start oil pressure (typically 150–300 PSI minimum).

Oil Filter Replacement Procedure

  1. Run the engine to operating temperature to suspend contaminants in the oil
  2. Shut down and allow 5 minutes for oil to drain back to the sump
  3. Remove the old filter with a strap wrench—never puncture or crush
  4. Clean the mounting surface thoroughly
  5. Fill the new filter with clean oil to reduce dry-start duration
  6. Apply a thin film of oil to the gasket, not grease
  7. Hand-tighten plus 3/4 turn—never use a wrench to tighten
  8. Start engine, check for leaks, verify oil pressure within 5 seconds

Generator Fuel Filters: Primary vs Secondary

Diesel fuel filtration is a two-stage system. The primary fuel filter (also called a fuel/water separator) removes free water and larger particles (30–50 microns) before fuel reaches the lift pump. The secondary fuel filter provides final filtration (2–10 microns) immediately before the injection system, where even microscopic particles can damage high-pressure injection components.

Feature Primary Fuel Filter Secondary Fuel Filter
Location Between tank and lift pump Between lift pump and injection pump
Filtration Rating 10–30 microns 2–10 microns
Water Separation Integrated water separator with drain No water separation capability
Replacement Cost $12–$60 $15–$80
Failure Consequence Fuel starvation, lift pump damage Injector nozzle erosion and failure

Water in Diesel Fuel: The Hidden Threat

Water in diesel fuel causes multiple problems simultaneously: it promotes microbial growth (diesel bug) that produces corrosive acids and slime that clogs filters; it causes injector tip erosion through cavitation at injection pressures exceeding 30,000 PSI; and free water in fuel lines can freeze in cold climates, completely blocking fuel flow. Drain the fuel/water separator weekly in humid environments and at every oil change regardless of climate.


Generator Air Filters: Protecting the Engine’s Lungs

A generator engine ingests approximately 13,000 gallons of air for every gallon of diesel burned. In dusty environments, each gallon of air can contain milligrams of abrasive silica dust. Without proper filtration, this dust effectively sandblasts cylinder walls, piston rings, and valve seats—reducing engine life from 30,000 hours to fewer than 5,000.

Air Filter Types Comparison

  • Dry Paper Element: Most common; 99.9% efficiency at rated flow. Single-use—do not attempt to clean by tapping or blowing out (creates invisible tears).
  • Oil-Bath Filter: Older design; air passes through oil that traps particles. Less efficient but reusable. Largely obsolete for modern generators.
  • Two-Stage (Cyclonic + Paper): Centrifugal pre-cleaner removes 85–90% of dust before it reaches the paper element. Extends filter life 2–3× in dusty conditions. Standard on construction and agricultural generators.
  • Heavy-Duty with Restriction Indicator: Includes a visual indicator showing filter loading. Replace only when the indicator shows red—premature replacement wastes money and actually reduces filtration efficiency (filters become more efficient as they load).

Generator Filter Selection: OEM vs Aftermarket

Brand Tier Examples Quality Assurance Typical Price vs OEM
OEM / Genuine Cummins Filtration, Caterpillar, Kohler branded Manufacturer-specified, full warranty compliance 100% (baseline)
Premium Aftermarket Fleetguard, Donaldson, Mann+Hummel, Baldwin ISO 9001, often exceed OEM specs, published test data 50–75%
Mid-Range Aftermarket Wix, Luber-finer, Hastings Mechanical fitment only; limited performance data 30–50%
Budget / Generic Private-label, unbranded No published specifications; variable quality 15–30%

Recommendation: Premium aftermarket filters (Fleetguard, Donaldson) deliver OEM-equivalent or superior performance at significant savings. Budget filters represent false economy—the $20 saved on a filter can cost $15,000 in engine damage if the filter fails. Never use budget filters on generators serving critical applications or remote locations.


FAQ

How often should I change generator filters?

Oil filters: every 250 operating hours or annually, whichever comes first. Fuel filters: every 500 hours or annually—more frequently if fuel quality is poor or the environment is humid. Air filters: replace when the restriction indicator shows red, not by calendar. In dusty environments without restriction indicators, inspect monthly and replace at 250–500 hour intervals.

Can I clean and reuse generator air filters?

Standard dry paper air filters should never be cleaned. Tapping, blowing with compressed air, or washing creates microscopic tears in the filter media that are invisible to the naked eye but allow abrasive particles through. Exception: some heavy-duty filters with a separate safety element allow cleaning of the outer element only. Follow the manufacturer’s guidance exactly.

What happens if I use the wrong oil filter?

A filter that physically fits may still be wrong. Key risks include: incorrect bypass valve pressure causing unfiltered oil circulation; missing anti-drainback valve causing dry starts; insufficient burst pressure rating causing filter rupture during cold starts; and incompatible filtering media that degrades in hot oil. Always verify part number compatibility through the engine manufacturer’s cross-reference database.

How do I know if my fuel filter needs changing?

Warning signs include: hard starting, engine hesitation under load, low power at full throttle, black smoke (incomplete combustion from restricted fuel flow), and visible water or sediment in the fuel/water separator bowl. Many generators have a vacuum gauge on the fuel filter housing—a reading above the manufacturer’s specification (typically 5–10 inHg) indicates a clogged filter.

Why does my generator air filter clog so quickly?

Accelerated air filter clogging indicates: operation in dusty environments (construction sites, agricultural settings), inadequate enclosure ventilation causing dust recirculation, or oil mist from a failed crankcase breather coating the filter media. Solutions include upgrading to a two-stage cyclonic filter, improving enclosure seals, relocating the air intake to a cleaner location, and fixing the crankcase breather if oil contamination is present.

Should I pre-fill fuel filters during replacement?

Yes, always pre-fill new fuel filters with clean diesel fuel before installation. A dry filter requires the lift pump to fill the filter housing before fuel reaches the injection pump, causing extended cranking and potential battery drain. Pre-filling eliminates air from the system and ensures immediate fuel delivery. Use only clean fuel from a sealed container—never use fuel from a questionable source.


Related Resources


1. What are the four main types of filters on a diesel generator?

Every diesel generator requires four filter types to operate reliably: (1) Air Filter — removes dust, sand, and airborne particulates from intake air before it enters the engine. Without it, silica particles act as sandpaper inside the cylinders, destroying piston rings and cylinder liners within hours. Typical filtration: 99.5%+ at 5-10 microns; (2) Oil Filter — removes combustion soot, metal wear particles (iron, copper, aluminum), and oxidized oil sludge from the lubricating oil. A bypass valve ensures oil flow even if the filter clogs. Spin-on (canister) or cartridge (element-only) types. Typical filtration: 25-40 microns (full-flow), 5-15 microns (bypass); (3) Fuel Filter — removes water, rust, dirt, and microbial growth from diesel fuel. Two-stage: primary (water separator, 10-30 microns) and secondary (final filter, 2-5 microns). Protects precision injection pump and injectors; (4) Coolant Filter — optional but highly recommended. Removes debris, rust scale, and depleted SCA precipitates from the cooling system. Also serves as an SCA charge carrier (spin-on filter pre-loaded with Supplemental Coolant Additives for wet-sleeve engine liner protection). HUAQUAN supplies all four filter types in OEM-equivalent quality.

2. Which generator brands are HUAQUAN filters compatible with?

HUAQUAN supplies filters compatible with: Cummins (Fleetguard LF, FF, AF, WF series), Perkins (Perkins OEM, also crosses to Fleetguard/Baldwin), Deutz, Volvo Penta, MTU/Detroit Diesel, Caterpillar (Cat Advanced Efficiency), John Deere, Weichai, Yuchai, Shangchai, SDEC, Weifang, and other Chinese engine brands. We stock cross-references to major filter manufacturers: Fleetguard (Cummins Filtration), Donaldson, Baldwin, Mann+Hummel, Hengst, Mahle, Sakura, and Fleetrite. Every filter we supply meets or exceeds the OEM’s specifications for: filtration efficiency (Beta ratio), dirt-holding capacity (grams), burst pressure, and bypass valve setting. We provide the full filter kit for common generator models — for example, a Cummins 6BT5.9 filter kit includes: LF9009 oil filter, FF5488 fuel filter, AF25548 air filter (or AF25270 depending on housing), and WF2074 coolant filter.

3. How do I cross-reference a filter part number to find a HUAQUAN replacement?

Filter cross-referencing process: (1) Find the OEM part number on your existing filter — it’s stamped on the filter can or printed on the label. For example: Fleetguard LF9009, Perkins 2654403, Donaldson P559000; (2) Also note the engine model (e.g., Cummins 6BT5.9-G2) and generator model — sometimes different engines in the same family use different filters; (3) Provide these numbers to HUAQUAN — our database cross-references 500,000+ filter part numbers across all major brands; (4) Verify critical specifications: thread size and pitch (e.g., 1-16 UN, M27x2), gasket diameter, overall height, bypass valve setting (PSI), and anti-drainback valve (present or not); (5) Physical fitment check — the wrong thread or gasket will cause a catastrophic leak within seconds of startup. If uncertain, provide the thread dimensions measured with calipers; (6) HUAQUAN can also cross-reference by filter application — if you know the engine model and year, we can identify the correct filter without a part number. We maintain application databases for all major generator engine manufacturers.

4. What is the difference between OEM, OEM-equivalent, and aftermarket filters?

Filter quality tiers: (1) OEM (Original Equipment Manufacturer) — branded with the engine manufacturer’s name (Cummins Fleetguard, Perkins Perkins, Cat Cat). Manufactured to the engine company’s specifications. Highest cost, guaranteed fit and performance; (2) OEM-Equivalent (also called Premium Aftermarket) — manufactured by major filter companies (Fleetguard, Donaldson, Baldwin, Mann+Hummel) to the same or equivalent specifications. Same quality, sold under the filter manufacturer’s brand. Cost: 30-50% less than OEM branded; (3) Economy Aftermarket — lower-cost filters from less-established manufacturers. May use lower-grade filter media (less dirt-holding capacity, lower efficiency), thinner can material (lower burst pressure), or lower-quality gaskets. Risk: premature filter bypassing, media collapse, or gasket failure. HUAQUAN supplies OEM-Equivalent quality — Fleetguard, Donaldson, Baldwin, and our own Huaquan-branded filters manufactured in ISO 9001 certified facilities to meet or exceed OEM specifications. We do not supply economy-grade filters because the cost savings (typically $5-15 per filter) is insignificant compared to the potential engine damage ($5,000-$50,000) from a filter failure.

5. How do I know when to change each type of filter?

Filter change intervals and indicators: Air Filter — replace when the restriction indicator (mounted on the filter housing or intake pipe) shows red, OR at the scheduled interval (500-1,000 hours clean environment, 250-500 hours dusty). Never clean and reuse a paper air filter — compressed air damages the microscopic pores in the filter media, reducing efficiency from 99.5% to 95% while looking clean. A filter that looks dirty on the outside may still have plenty of life — trust the restriction indicator, not visual inspection; Oil Filter — replace at every oil change (250-500 hours depending on engine and oil type). The oil filter captures soot that passes through the oil rings — changing the oil without the filter is like showering and putting on dirty clothes; Fuel Filter — replace at 500 hours or when the vacuum gauge (if installed) indicates restriction. In high-contamination fuel scenarios, check the water separator daily; Coolant Filter — replace at coolant change interval (2-6 years), or when SCA test strips indicate depletion (for SCA-charged filters). The coolant filter is often overlooked — a clogged coolant filter can restrict flow and cause localized overheating. HUAQUAN provides a convenient filter kit with ALL filters needed for a complete service.

6. What are the consequences of using a cheap, low-quality filter?

The cost of a premium filter is $10-$50. The cost of filter-related engine damage is $5,000-$50,000+. Specific failure modes of cheap filters: (1) Burst canister — the filter can splits under normal oil pressure (60-100 PSI cold start), dumping all engine oil in seconds. The engine seizes before the low-oil-pressure shutdown triggers; (2) Media collapse — the filter paper tears or collapses under differential pressure, sending a slug of dirt and filter debris directly into the engine bearings and oil galleries; (3) Bypass valve stuck open or set too low — oil circulates unfiltered, sending abrasive particles through the bearings. Wear accelerates 10-100x; (4) Anti-drainback valve failure — allows oil to drain from the filter and oil galleries after shutdown. On restart, the engine runs for 5-15 seconds without oil pressure — this is when 80% of engine wear occurs; (5) Gasket failure — the filter gasket blows out, causing sudden oil loss. Often caused by a gasket that’s too soft or too thin; (6) Thread failure — the filter spins off the mounting stud under vibration. The cost difference between a premium and cheap filter is about the same as 1-2 cups of coffee. The decision is easy: never compromise on filters.

7. What is a Beta ratio and how does it relate to filter efficiency?

Beta ratio is the standard measure of filter efficiency. Beta(X) = (number of particles larger than X microns upstream) / (number of particles larger than X microns downstream). Efficiency (%) = (1 – 1/Beta) x 100. Common Beta values: Beta(10) = 2 means 50% efficient at 10 microns. Beta(10) = 20 means 95% efficient. Beta(10) = 75 means 98.7% efficient. Beta(10) = 200 means 99.5% efficient. Beta(10) = 1,000 means 99.9% efficient. Example: Fleetguard LF9009 has Beta(25) = 75, meaning it removes 98.7% of particles 25 microns and larger. Beta(10) = 20 (95% at 10 microns). Understanding Beta ratio allows you to compare filters objectively: a filter rated at Beta(10)=75 is 50% more efficient at 10 microns than a filter rated at Beta(10)=20. The Beta ratio is measured using the ISO 4548-12 multi-pass test standard. Always ask for Beta ratio data when comparing aftermarket filters — if the manufacturer can’t provide it, the filter quality is unknown.

8. How do I properly install a spin-on filter to avoid leaks?

Spin-on filter installation procedure: (1) Clean the filter mounting surface on the engine — remove all old gasket material. A stuck piece of the old gasket creates an uneven surface and guaranteed leak; (2) Apply a thin film of clean oil to the new filter’s rubber gasket — this lubricates the gasket, allowing it to slide and seal properly without bunching or tearing; (3) Fill the new filter with clean oil/fuel (as appropriate) before installation — reduces the time the engine runs without full oil pressure or fuel supply. Exception: common-rail fuel filters — fill through outer ports only, never the center hole; (4) Spin the filter on by hand until the gasket contacts the mounting surface. Then tighten an additional 3/4 to 1 full turn BY HAND. Never use a filter wrench to install — over-tightening crushes the gasket, causing leaks; (5) Mark the installation date and engine hours on the filter with a permanent marker; (6) Start the engine and check for leaks immediately. Watch for 30-60 seconds — if the gasket is going to fail, it usually happens within the first minute; (7) After shutdown, recheck oil/coolant/fuel levels and top up as needed. For oil filters, the filter itself holds 1-2 liters that must be added.

9. What is a hydraulic filter and when is it used on a generator?

Hydraulic filters are used on generator sets with hydraulically-driven accessories: (1) Hydraulic radiator fans — on large generators (1MW+), the radiator fan may be hydraulically driven via a pump on the engine PTO. The hydraulic system needs its own filter to protect the pump and motor; (2) Hydraulic starting systems — some large engines use a hydraulic starter (accumulator-based) instead of electric starting. The hydraulic circuit requires filtration; (3) Automatic transfer switches with hydraulic actuation — rare, but some large medium-voltage ATS use hydraulic mechanisms; (4) Hydraulic governor actuators — some Woodward and Heinzmann governors use hydraulic amplification. Hydraulic filters typically have higher pressure ratings (200-400 bar collapse) and finer filtration (5-10 microns) than lube oil filters. They must be replaced per the hydraulic system manufacturer’s schedule. HUAQUAN supplies hydraulic filters and elements in standard sizes (spin-on and cartridge) with compatible hydraulic oil.

10. How do I select the right air filter for my generator’s environment?

Air filter selection by environment: (1) Clean indoor/urban environment — standard dry-type cellulose paper filter. Service life: 500-1,000 hours. Example: a generator in a clean, air-conditioned data center room; (2) Moderate dust (construction, rural areas) — heavy-duty filter with increased media area and depth-loading capability. Add a restriction indicator. Service life: 250-500 hours; (3) High dust (mining, quarry, desert) — two-stage filtration mandatory. Stage 1: cyclonic pre-cleaner (centrifugal separator) removes 85-90% of incoming dust. Stage 2: primary paper filter. Extends primary filter life 3-5x. Check pre-cleaner daily — the dust cup/bowl must be emptied before it’s more than half full; (4) Extreme conditions (sandstorms, cement plants) — add a third stage: an oil-bath pre-cleaner before the cyclonic separator, or specify a nanofiber-coated primary element (nanofiber captures sub-micron particles on the surface, extending life); (5) High humidity/tropical — moisture can swell paper media and collapse it. Use synthetic media (fiberglass/polyester) that doesn’t absorb water; (6) Marine/offshore — salt-laden air requires filters with corrosion-resistant hardware and special media treatment. HUAQUAN’s application engineers will recommend the optimal air filtration configuration for your site’s specific dust loading and humidity.

11. What is the purpose of a bypass valve in an oil filter?

The bypass valve (also called relief valve) is a spring-loaded valve built into the oil filter (or the filter mounting head) that opens when the pressure differential across the filter media exceeds a set value (typically 8-16 PSI / 0.6-1.1 bar). Purpose: ensures oil flow to the engine if the filter becomes clogged. Dirty oil is better than NO oil — unfiltered oil reaching the bearings will cause accelerated wear over hundreds of hours, but NO oil will destroy the bearings in minutes. When the bypass valve opens: (1) During cold starts — cold oil is thick and can’t pass through the filter media fast enough. The bypass opens temporarily (30-60 seconds) until the oil warms and thins; (2) When the filter is clogged — the filter has reached its dirt-holding capacity. The bypass opens, and the engine runs on unfiltered oil. This is a FAIL-SAFE — it means you’ve gone too long without a filter change; (3) During an engine overspeed (uncommon) — oil flow exceeds the filter’s rated flow capacity. Danger of a missing or incorrectly set bypass valve: some cheap filters have no bypass valve. If the filter clogs, oil flow stops completely — catastrophic engine failure within seconds. Always verify the bypass valve setting when cross-referencing filters.

12. What is a coolant filter and do all generators need one?

A coolant filter is a spin-on filter installed in the cooling system bypass circuit that filters a small portion (5-10%) of the coolant flow continuously. Functions: (1) Removes solid contaminants — rust scale, casting sand (from engine block manufacturing), degraded hose particles, and precipitated SCA (Supplemental Coolant Additive) chemicals; (2) SCA charge — many coolant filters come pre-charged with SCA chemicals that slowly dissolve into the coolant, maintaining the protective liner film on wet-sleeve engines; (3) Not all generators need a coolant filter — dry-sleeve engines (Perkins 1100 series, some Deutz, some Volvo) do not have cylinder liners directly exposed to coolant and therefore don’t need SCA. However, a particulate-only coolant filter still provides benefit on ANY engine by removing abrasive particles; (4) Coolant filter maintenance: replace at every coolant change (2-6 years depending on coolant type). If using SCA-charged filters, also test SCA levels between changes with test strips; (5) Adding a coolant filter to an engine that doesn’t have one: use a coolant filter kit that installs in the heater hose or bypass circuit. A worthwhile investment — it costs $50-100 and continuously protects a $10,000+ engine.

13. How do I read a filter restriction indicator and what does it tell me?

A filter restriction indicator (also called a filter minder or vacuum gauge) measures the vacuum (negative pressure) on the clean side of the air filter, indicating how clogged the filter is. Reading: (1) Green zone — filter has adequate capacity remaining. No action needed; (2) Yellow zone (approximately 20-25 inches of water / 50-63 mbar) — filter is approaching the end of its service life. Order a replacement filter now, but the existing filter still has life remaining; (3) Red zone (25-30 inches H2O / 63-75 mbar) — filter is restricting airflow beyond the acceptable limit. The red indicator latches (stays red) even after the engine is shut down. Replace the filter IMMEDIATELY; (4) Check the indicator AFTER the engine has reached operating temperature and is running at rated speed — cold engines show higher restriction because cold air is denser; (5) The indicator measures vacuum (restriction), NOT filter cleanliness. A filter can look dark and dirty on the outside but still pull less than 15 inches of water — it’s fine. Conversely, a filter that looks clean but the indicator reads 25 inches has internal media damage (water, oil mist) that you can’t see; (6) NEVER reset the indicator without replacing the filter — the latching mechanism is designed to be reset only after a new filter is installed. Some technicians reset indicators to ‘fix’ the restriction reading — this is dangerous.

14. What is the difference between a full-flow and bypass oil filter?

Full-flow filter: receives ALL the oil from the oil pump before it reaches the engine bearings. Filtration rating: 25-40 microns. Needed: a coarser rating because ALL oil must pass through — too fine would restrict flow. Bypass filter: receives only 5-10% of the oil flow (tapped off the main gallery), filters it to a much finer level (1-5 microns), and returns the super-clean oil to the sump. The bypass filter slowly ‘polishes’ the oil over time. Combined system: full-flow for immediate protection, bypass for long-term oil cleanliness. Premium heavy-duty engines (Cummins, Cat) often use both. Benefits of adding a bypass filter: (1) Oil soot levels remain lower (0.1-0.3% vs 1.0-1.5% without), extending oil life 2-3x; (2) Reduced engine wear — sub-5-micron particles cause the most wear by embedding in bearing surfaces; (3) Extended full-flow filter life — the bypass filter removes the fine particles before they clog the full-flow filter. HUAQUAN offers bypass filter retrofit kits for most generator engines.

15. Can I clean and reuse a generator air filter?

For paper/cellulose air filters: NO. Cleaning with compressed air creates microscopic tears and pinholes in the filter media. While the filter looks clean, its efficiency drops from 99.5%+ to 90-95%. These small holes allow silica dust to pass through — silica is harder than the cylinder liner material, and even micron-sized particles cause accelerated ring and bore wear. The filter may appear to ‘work’ (no restriction indicator warning) while silently destroying your engine. For washable/reusable filters: SOME heavy-duty filters (Donaldson PowerCore, certain nanofiber filters) can be washed with low-pressure water and a specific cleaning solution, but this is the exception, not the rule. Follow the filter manufacturer’s cleaning instructions EXACTLY. For foam pre-filters (outer wrap): can be washed in warm soapy water, dried, and re-oiled with filter oil. The foam pre-filter only catches the largest particles — the primary paper element behind it must still be replaced. Economic reality: a replacement air filter costs $20-$80. A cylinder kit (pistons, liners, rings) for a 6-cylinder diesel costs $2,000-$5,000 plus labor. This is the most expensive ‘savings’ you’ll ever make.

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