I don't think so... house is all masonry up to 2nd floor, and I've been
systematically going through and inspecting all the wiring and replacing
when necessary. As soon as it becomes consistently warm I'm going to
rewire the whole 2nd floor...
replace "roosters" with "cox" to reply.
> RBM wrote:
>> N8, I could be wrong but I think that means you're living in a fire
Nate Nagel wrote:
> I don't think so... house is all masonry up to 2nd floor, and I've
> systematically going through and inspecting all the wiring and
> when necessary. As soon as it becomes consistently warm I'm going to
> rewire the whole 2nd floor...
I took it to mean your cars (or related their age) - a la hallerb.
I'm sure insurance companies base their concern in part by statistical
information regarding old wiring. The problem with K&T is that it's easily
recognized as "old wiring" with little to determine its actual age, which
dates anywhere from the late 1800's into the 1960's and in rare instances
later. Rather then judge its present condition, it's easier to condemn it,
as many people do largely out of ignorance. Armor cable of various types
has been in use from just before 1900 and a variety of non metallic cables
not long after that, neither seems to rate the same negative attention paid
to K&T, which I'd attribute to the general inability to distinguish its age.
Today, we use a grounded electrical system, and as none of these old wiring
methods had grounds or at least adequate ones, IMO, it would make sense to
install new wiring as the opportunity arose
Agreed as well. My recent experience was in response to an insurance
company concern where their report had simply shown a check mark in
the "Yes" box beside K&T wiring.
In my case, however, the service panel had already been upgraded to
200 A and current code wiring for the major circuits had been
I requested, and paid for, a provincial agency (Ontario ESA)
inspection and, on the basis of their assessment, had some relatively
minor modifications made, including the addition of some GF outlets
The major concern was therefore only for the remaining lighting
I know of three occasions recently where insurance agents have
solicited information, at policy renewal time, on electrical service
capacity and wiring type, plumbing supply type (iron vs copper), and
heating system including specifics of furnace age, fuel oil storage
(tank age, irrespective of condition).
In one case, inspection of one property was undertaken at the
insurance agent's request/suggestion under the pretext of "making sure
that coverages were adequate".
If they don't ask, then I suggest you don't tell.
Renewal is not always guaranteed, companies will occasionally re-
underwrite their policies on renewal, usually if they've had too many
losses of a particular type and want to identify homes at risk for
It's possible that was the real reason for the inspection, many people
never tell their agent about remodeling or improvements, and end up
firstname.lastname@example.org is Joshua Putnam
Some companies do have a general age surcharge -- my own home has a
"pre-1930" surcharge at the moment, until I've finished some other
upgrades and rewrite the policy. No surcharge for having K&T.
Many companies have a very general guideline such as "wiring that is
obsolete, deteriorated, or in need of replacement." K&T is one obvious
thing to look for, but it's not the only thing -- depending on the
underwriting, they may decline coverage because of fuse panels,
ungrounded circuits, aluminum wiring, etc.
email@example.com is Joshua Putnam
some negativity is because of fires caused since the connections arent
in boxes buried in walls..........
insurance doesnt like K&T because of increased fire risk from a system
likely a 100 years old.
what other things do we own that last a 100 years?
We have a rental property we bought back in '94 that was built in 1923 give or
take and it came to us with nothing but K&T wiring and a whole host of other
more serious problems such as really bad & leaking roof, plumbing that was
leaking on both the hot-n-cold and sewer.. Anyway, we had to get hazard (big
$$) insurance since nobody would otherwise give us a policy.. We quickly found
that the majority of the house had been wired into a SINGLE K&T circuit and
that had I fired up a larger sized microwave oven we probably would have
started charring wires in the attic.. We ended up re-doing the entire wiring
system and ditched all of it -- it was a major hack job! Once we faxed a copy
of the county inspectors closed-out permit showing replaced plumbing, electric,
etc -- we were able to get a good (and cheap) insurance policy that was >10x
cheaper than the hazard variety.
I think that the point here is that your house's infrastructure was in poor
condition and as such it's in danger of fire, flood etc. Age alone does not
make wiring bad or dangerous. A house built in 23' could have wiring types
other than K&T, which in a poorly kept house, could deteriorate as badly or
worse than the K&T. In fact, in the book " Old Electrical Wiring" by David
Shapiro, he writes there is evidence that K&T was used in the 1980's in New
Orleans, in areas that flooded frequently, specifically because it held up
under those conditions.
HomeOwnersHub.com is a website for homeowners and building and maintenance pros. It is not affiliated with any of the manufacturers or service providers discussed here.
All logos and trade names are the property of their respective owners.