Aluminum wiring in house insurance

In this article, we will dive into the world of . Find to this and many other questions on Trulia Voices, a community for you to find and share local information. Get , and share your insights and experience. Thus, some insurance companies will not insure homes with aluminum wiring.

Often electrical modifications and rewiring are required to be able to insure the home.

Square One describes aluminum wiring and explores considerations if you have this type of wiring in your home.

We make it easy for you to properly insure your house.

In fact, your house insurance policy with Square One includes comprehensive protection and guaranteed building replacement cost coverage. The home insurance world became aware of the issues around aluminum wiring , and some insurance companies refuse to insure homes with aluminum. Some say these decisions were made on conservative underwriting . Aluminum wiring could make your home too hot for insurance companies to touch.

The age of the home and the type of wiring will influence your homeowners insurance policy. Knob and tube wiring, and aluminum wiring are early types of wiring that are found in older homes and have limitations, . While copper is known to have better conductivity, over 450homes in Canada are estimated to have aluminum wiring. If so, it may have aluminum wiring. The use of older solid aluminum wiring in residential construction has resulted in failures of connections at electrical devices, has been implicated in house fires according to the U. Much to my dismay, the seller did not replace the aluminum wiring.

Some insurance companies may not provide or renew insurance on properties with aluminum wiring unless it is inspected by the Electrical Safety Authority. She briefly described why aluminum wiring may be an issue with home buyers. An estimated 450homes were built in Canada during this period using aluminum wiring , as the price of copper was on the rise.

Although aluminum wiring can be safe, it does have some problematic characteristics . No, I said the ___non-crappy ones___ do. Well, I guess you have your answer. There are dangers to having aluminum wiring in your home.

Now that the wiring and the devices have been in the homes for approximately to years, the insurance companies have really gotten serious about aluminum wiring. Some of them wont insure your home with aluminum wiring , and others will insure your home if you take the . Phil Supple, a company spokesperson. Supple points to two concerns: First is the age of the house.

Because knob and tube was generally used so long ago, we are concerned about the deterioration . David Hannemann and his wife were aware when they bought their Ellicott City home years ago that it had aluminum electrical wiring , a known fire. It was their belief that insurance companies will soon crack down on people who own homes such as theirs, wired in part with aluminum rather than . Neglected connections in outlets, switches and light fixtures containing aluminum wiring become increasingly dangerous over time.