A pipe failure is really two problems. The plumbing problem is real but usually contained. The bigger cost is water getting into hardwood, plaster and the ceiling below, which is why it's worth calling as soon as you notice it.
The quieter failures deserve equally serious attention. A weep inside a wall cavity can run unseen for weeks, and the first sign may be a stain, a smell, or a warp in a surface that was fine last month. If a La Jolla home still carries its original supply lines, they may be near the end of their life, and coastal air can work on exposed fittings. When something seems off, the contractor can track down the failure, work out the cause, and plan a fix that resolves it while disturbing as little as possible.
Sometimes that fix is one section, executed cleanly. Sometimes the evidence shows the system is near the end of its useful life, and the contractor explains the options and tradeoffs in plain English, with the timing up to you. The plan is based on what the contractor actually finds, and nobody pushes you to decide.