This is the most rigorous and correct answer I can imagine! It's not true because we have not proven it to be true or learnt it from someone who has.
What do you mean by understanding why?
You can look at a graph of sqrt(x) and it's immediately obvious that sqrt(1+3) is much larger compared to sqrt(1) than sqrt(10+3) is compared to sqrt(10), but the graph is just an aggregation of an infinite number of counterexamples. The answer to "why isn't something true?" really is just a counterexample.
What "why" were you looking for beyond "that isn't a property that sqrt(x) has"?
Checking is the smart thing to do then, but ideally what is important is the understanding rather than just the diligence to make sure a guess isn't trivially shown incorrect.
If you want to add fractions by individually adding the numerators and denominators and the only reason you don't is one of these checks, you have some kind of fundamental lack of understanding about fractions. It's great that you are wise enough to verify, but that's irrelevant to your mathematical understanding.
And these misunderstanding are not limited to undergrads; often they stand in the way of progress at the edge off research, simply because we don't actually know what's possible. Research level math is often guided by folklore: important conjectures and shadows of what might be. And when the folklore is wrong, we go down the wrong track until someone finds a counterexample...
You have no idea how much understanding I gained by doing such 'quick checks', sometimes even during exams. Just a little sanity check to be sure you're still on track.
Besides, inserting 1 for both x and y is an actual mathematical proof that the equation does not hold! It's always a fantastic thing to strengthen your understanding with formal proofs that you came up with by yourself.
Mostly it just means I'm in trouble and need to be really careful and do more checks because I'm working with things I don't understand fully.
For example, I've never needed to do that sort of check with adding fractions. I have enough understanding of what those numbers represent and how they work together that I've just never thought I might want to add numerators and denominators separately.
When somebody asks why isn't 1/(x+y) = 1/x + 1/y, then I ask why it should be. Just because something looks intuitive or pleasing does not mean it's true. While this is only a meta-level answer for the question at hand, I consider it to be more important to learn than the special case. The students need to learn basic scientific methodology, for then they wouldn't ask such question, as one of the basic pillars of science, scepticism, easily empowers the student to answer the question on their own. Many haven't learned the scientific method in school, since in school pupils are conditioned to say what the teachers want to hear, not what is true.
When I'm convinced that the former point has been made clear, I proceed to the next step of how to approach a question like this. First, what is the statement supposed to mean? What are x and y allowed to be? Naturals? Integers? Reals? Complex Numbers? Matrices? Polynomials? All, of course, restricted to those where the expressions are defined, since worrying about the truth of an undefined statement is not sound. The context usually defines the possible range of the variables, but one needs to learn to identify that, which is akin to type interference.
Then, maybe someone simply forgot whether that equation was one of the proved ones, or not. The overwhelming majority of wrong, practically ocurring mathematical statements have small counterexamples. That's why I recommend plugging in arbitrary values for the variables, which seem interesting or make the evaluation easy. Whereas intuition and beauty don't imply truth, they remarkably successfully guide us to where to look first. To this specific problem, x = 1 and y = 1 seem like a good idea. We immediately see that they form a counterexample inside all the mentioned possible ranges for the variables. Now, we now the statement is in general wrong, and we can move on.
Depending on whether the time allows, I would show that for real x and y we have
1/(x+y) = 1/x + 1/y
<=> (multiplied with xy(x+y)
xy = y(x+y) + x(x+y)
<=> (use of law of distribution and substraction of xy)
0 = y^2 + xy + x^2
<=> (use of well-known p-q-method)
y in {-x/2-sqrt(x^2/4-x^2), -x/2+sqrt(x^2/4-x^2)}
However, the expression under the root, x^2/4-x^2, simplifies to -3/4*x^2, and is for real, nonzero x always negative, so there is no real solution in y. We just showed that the statement is not just in general wrong, we proved that it is always false, when the variables are only allowed to be real, and that there do exist true cases for complex variables.
It's a bit funny that I explain the things in that order while I despise philosophy. Learning the scientific method is not philosophy, or — to state it better — it's as much philosophy as learning mathematics as a physicist is.
Now, I don't really know anymore why exactly I wrote this down here. Probably it was just the pedagog in me wanting to make clear that questions like these do not indicate lack of mathematical talent, but lack of scientific education.
Do you know a way to teach science and math in a more interactive way than blog posts or youtube videos on the internet? I would love to do that.
None of the symbolic manipulation really made sense to me until I started learning programming (and, much later, mathematical foundations) and how to define these operations. The answer to "Why isn't sqrt(x+y) = sqrt(x) + sqrt(y)" shouldn't be "It's not in the table of 'laws' we're allowed to use". Sure, you can (easily) provide examples where that purported identity is false, but trying to understand why was really hard for me, and I wouldn't accept it until I understood why.
/ramble