Why are Insurance Companies Refusing to Insure Homes With Knob and Tube Wiring?

     

Over the last several years, more and more insurance companies are refusing to insure homes with Knob and Tube wiring. This is not surprising as this wiring is extremely old and dangerous. This wiring was used in homes until approximately the 1950's. It is now extremely old and may have been subjected to extensive damage from contractors extending circuits over the years, which increases the possibility of poor connections. These problems can cause the wiring to short circuit or overheat. This wiring is not grounded, which increases the chances of shock and electrical fire. It should never be used in kitchens, bathrooms, laundry rooms or outdoors. The amperage is inadequate, so many contractors installed fuses with resistances that were too high for the wiring. This caused the fuses not to blow as often, but also causes heat damage. 

Brian, a Generation 3 Electric Technician, found a serious situation while at a customer's home. The knob and tube wiring inside the wall had sparked and burned. The homeowner had us there because his bedroom TV was affected.

Brian urged the homeowner to consider rewiring as the home could have easily burned down and is still in  serious danger. Now do you understand why insurance companies are refusing to insure homes with this type of wiring? 

Many of the whole house or partial rewires that Generation 3 Electric does everyday are to satisfy insurance requirements for new homeowners.

Many others are for families in the Philadelphia area who have researched this wiring and do not feel that it is safe for their families. They want to protect their most valuable assets, their family. 

Rewiring is a rather large expense, but Generation 3 Electric offers different financing options and safety discounts to help families make their home safe.

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Before hiring and electrician, be sure to check their online reviews and reputation. Be sure that they are licensed and insured.

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Generation 3 Electric specializes in residential electric so our technicians are most familiar with rewiring older homes and providing excellent customer service to our clients, this is what they do everyday.

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About The Author

Dottie enjoys working at Gen3 Electric. She is always learning new things there about technology, electrical and much more. There is always something new and exciting happening at Gen3.