Ig, you come across as an enterprising and resourceful individual. I
would suggest focusing your talents on something that is not so
- your finances
- your power company employees
If this homebrew setup would fail with fatal results for someone, you
will be on the hook litigation wise. There are reasons why sometimes we
spend the money on UL listed products, have a licensed electrician do
the work and have inspections....all to cover us legally.It only takes
one fatal failure to wipe you and your family out financially.
Let know how you end up doing it.
Go get yourself a UL Listed transfer switch of some sort. The
cheapest way is a Double-Throw safety switch. Looks just like the
fused disconnect for a motor, but the lever goes On-Off-On.
Or do some heavy-duty scrounging and buy a new or good used
automatic transfer switch that you can install. DO NOT TRY TO INVENT
THIS YOURSELF. It is life-safety critical, and there is absolutely no
reason for you to reinvent the wheel. Better you should pay a bit for
the right equipment - Use a proven design.
If your homebrewed transfer switch design is flawed, creates a
backfeed and kills a lineman or two working on power restoration (or
even just surprises the hell out of them when they find out the line
is energized) I can guarantee that they will find you, and that the
proceedings will not be pleasant.
If you do anything permanent, get it checked out and passed by the
local building inspector, and by the local utility. This is critical.
--<< Bruce >>--
Bruce L. Bergman, Woodland Hills (Los Angeles) CA - Desktop
Electrician for Westend Electric - CA726700
Incorrect. If the loss was due to the non-compliant device, then you may
have a problem collecting. If the loss was due to something else, the
insurance company must cough up.
Dir., Green Trust, http://www.green-trust.org
Contributing Editor, http://www.off-grid.net
Michelle P wrote:
Could you give us a reference please? What other things might I do that
will void my home insurance? Can you give us a specific case where someone lost
their home and then had the insurance company refuse to pay because a non-UL
device was installed somewhere in the house?
Well, insurance companies are getting EXTREMELY adverse to risk. Many
will not insure a building with aluminum wiring unless it has ALL
DEVICES either replaced with COALR devices or every connection
pigtailed to copper with a certified device - and an inspection to
prove it. Any Knob and tube left in the house and they won't touch it.
A wood stove that is not certified? No insurance. Not installed to
code? No insurance. Many other conditions as well. I'm not an
insurance agent, nor do I play one on TV, but I AM the IT guy for a
pretty big brokerage.
Coverage HAS been denied. One of the stickiest players in Canada is
ING - and they own half the business.
Any Knob and tube left in the house and they won't touch it.
Then it must depend on the area. I had a family member insure a home with
knob & tube just last week. From a fire standpoint, knob & tube is perfectly
safe. The main problem with K&T is lack of a ground conductor, and lots of
homes still have that problem.
My question was about claim denial, not coverage, but thanks for the info.
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