Re: 220V Magnetic switch problem

Although everything else Pop posted with regard to the OP's wiring situation is true, this one statement is not at all true. In most states, (if not all), you are covered once your policy is instated. Insurance companies must, and do pay for stupidity every day. Fires are investigated every day and Cause & Origin Teams find faulty wiring to be the cause - every day. Insurance policies pay off against these claims - every day. There is a lot of urban legend surround insurance policy coverage but you would have to look far and wide to find any substantial number of claims denied for homeowner stupidity. Ask an adjuster when the last time was that they actually saw a claim denied for faulty wiring.

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"Mike Marlow" wrote in message news:30b81$446876b8$452895cb$ snipped-for-privacy@ALLTEL.NET...

Which state is which isn't relevant to this post, and only implies a false sense of knowledge on the part of the poster.

Stupidity is NOT the same as intentional miswiring, nor is wiring allowed to be done by unqualified personnel. They certainly will refuse to pay, especially if the fire or insurance investigator turns it up and finds the situation at hand: You are dead wrong.

Faulty wiring is NOT miswiring caused by unqulaified personnel, who violated code. Huge differenct. You've gone outside your area of knowledge here.

Some, actually very few, insurance companies pay off of fraudulent claims, which is what you are defining. If wiring has not been inspected and logged accordingly, the insurance companies can and do/will take a hands off atitude toward the claim.

Again, "homeowner stupidity" is A LOT MORE THAN JUST when an unqualified person installs wiring incorrectly. And you can bet your bottom dollar that when the death or fire or lawsuit caused by a miswired, non-code, probably inherently unsafe connection which has not had proper inspections performed, is discovered, the insurance company will indeed wash their hands of the whole thing. I suggest this poster go and closely read his policy in full, not just the little hype verbiage received with it. Read the entire thing and you'll see just how easy it is for an insurance company to refuse a claim. Your claim.

"Substantial" is an irrelevent and non-definitive word here. If YOU are among the ten of a thousand or more who miswired your home and burnt it down or electrocuted someone, or were sued because someone received a bad shock, known as electrocution (electrocution does not mean it killed), you had better have some pretty deep pockets because your insurance won't help the second they discover the non-code intentional installation of sub-standard wiring techniques. Now, I CAN INDEED (and have done so before) talk to a Code Enforcement Officer who can cite such cases, and my neighbor, an insurance broker, not an insurance salesman, can corroborate and has corroborated such stories in the past. These things even make the newspapers, of course. A few years back, a men's clothing store owner burned down his building. At the same time, he accidentally also burned down a neighboring apartment building. I'll bet you think the apartment building owner's insurance the tenant's property insurances all paid off, don't you? You would be dead wrong! Those several insurance companies got together and sued the clothing store owner, HIS insurance company, the code enforcement office, and some others I no longer recall. Of course, the arsonist owner went to jail for 5 years. How do I know all this? I knew BOTH owners. I went to school with the arsonist. I was in the same club as the apt bldg owner. And, it was well covered in the papers and radio for over a year while they kept on discovering new things about the fire. It took 8 months to prove it was arson, but they did it. Think how easy it is to trace a 220 service back to two unconnected, improperly installed ckt brkrs.

And finally, of COURSE the numbers of these events are small! The majority of people DO IT RIGHT, OR GET IT RIGHT, OR HAVE IT DONE RIGHT. Unlike you, who seems to think that because the majority don't go to jail, or lose their life earnings, simply because of the sheer ignorance you posted.

Don't cry fire in front of a fireman when it's a load of crap that you're pusing out; people like you are disgusting and obviously trolling, which means that I have nothing further to say to you or to read from you.

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