Aluminum Wiring Insurance Florida

June 24, 2021

Apparently only the real estate companies had heard about this so far as it directly affects houses being bought and sold that have aluminum wiring can no longer be insured until brought up to code. Aluminum electrical wirings have been widely used in the ’60s and ’70s for the construction of homes.

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These allow you to join existing aluminum wires with a small piece of copper wire at electrical fixtures where aluminum wiring is the most hazardous.

Aluminum wiring insurance florida. Homes with aluminum main service wires and heavier 240 volt circuits that feed major appliances (e.g., dryers, ranges, air conditioners) are usually eligible for. Wiring houses with aluminum became popular in the early 1960s. Always make sure that you call your agent to discuss the requirements and price quotes before proceeding.

Homes built prior to 1972 that are wired with aluminum are 55 times more likely to have wire connections at outlets that increase the risk of fire, according to a survey conducted by franklin research institute. I am happy to see the government and insurance companies attempting to make homeowners aware of the dangers of having aluminum wiring. Thus, some insurance companies will not insure homes with aluminum wiring.

Other insurers will do so only after securing a full electrical inspection by a trained and certified electrical contractor. If you have any further questions about cloth wiring insurance please call florida statewide insurance, inc. See the document online at:

Home insurance and aluminum wiring. This is when an aluminum wire can get too hot and begin to cause problems for you. Call a homeowner’s insurance agent and ask what it would cost to insure the home with aluminum wiring.

About aluminum electrical wiring between 1965 and 1973, aluminum wiring was used to install electrical branch circuits in about 1.5 million homes in the united states. July 6, 2019 by homeowners insurance cover. The document lays out clearly the recommended repair options in an unbiased manner.

After a decade of use by homeowners and electricians, inherent weaknesses were discovered in the metal that lead to its disuse as a branch wiring material. The loss control technical information paper series (tips) on aluminum wiring published by the hartford insurance company provides a simple and factual overview of the issues. In addition, the property must meet all other eligibility requirements.

Aluminum wiring becomes a hazard when the connection at outlets,. A shortage of copper caused prices to skyrocket right. Insuring a home with aluminum wiring is not impossible, but it will take a few extra steps for the homeowners.

Insurance companies may threaten to cancel homeowner’s insurance or raise premiums on homes wired with aluminum. Once you know the state of your wiring you can determine whether you need the. You may actually have difficulty finding insurance which would prevent you from buying the home.

First, aluminum is cheaper than copper. Others require a certificate from a licensed electrician or the electrical authority. Special measures can be taken to make aluminum wiring safe, and some homes may already have these measures in place.

My house has aluminum wiring, what should i do? Aluminum wiring dates back to the late 1880s when electrical utilities first began stringing transmission lines across cities and towns. Many insurance companies deny coverage if a home has aluminum wiring.

It should be noted that most insurance agencies will not cover homes with aluminum wiring in florida. The home insurance world became aware of the issues around aluminum wiring, and some insurance companies refuse to insure homes with aluminum. Second, there wasn’t much information regarding the dangers of aluminum wiring.

Some say these decisions were made on conservative underwriting criteria rather than actual loss experience. When an aluminum wire is inserted into the alumiconn lug, it is coated with a thin layer of silicone grease to provide resistance from oxidation. Now that the wiring and the devices have been in the homes for approximately 35 to 45 years, the insurance

Aluminum wiring isn’t inherently problematic, but the ways it was installed at the time caused, and continue to cause, dangerous and fatal house fires. While this seemed like a very efficient plan at the time, most home insurance companies nowadays consider aluminum wiring a fire hazard and are less likely to insure aluminum wired homes before they receive a wiring replacement. For insurance companies aluminum wiring represents an increased risk.

The insurance companies that will provide insurance for a home with aluminum wiring will require a certification from a licenced electrician to ensure that the home has been brought up to electrical code and modern safety standards. Many insurance companies will not insure homes with solid aluminum wiring unless proper measures are taken and proper connections are performed by a licensed, professional electrician. The first step you should take in ensuring the safety of your home’s wiring is to have a licensed electrician perform an electrical inspection.

Two products on the market are copalum and alumiconn, which have been approved by citizens property insurance corp. Subsequent fires in some of these homes were attributed to faulty aluminum wire connections. Between the years 1960 and 1980, aluminum wiring was installed in thousands of homes across florida.

Aluminum Wiring and Home Insurance Debunking The Myth in