17 Mar Insurance For Homes With Knob and Tube Wiring
Many homeowners with older dwellings may not be aware of what type or condition their wiring system is in. This can be an especially important aspect of attaining homeowner’s insurance. Many homes over sixty years old that have not had their electrical systems updated could very well have knob and tube wiring within their walls.
Insurance for homes with Knob and tube wiring – What is Knob & tube wiring?
Knob and tube wiring was an electrical system put into houses from the late nineteenth to the mid-twentieth century. A system of ‘knobs’ kept the insulated copper wiring from coming into contact with the studs of a house while the ‘tubes’ acted as an insulating barrier when wiring was passed through stud drill holes. This system worked well in a time when electrical needs for households were much less than they are today. Yet, increased modern day demands along with other factors have made knob and tube wiring a potential hazard and obstacle when looking for homeowner’s insurance.
Insurance for homes with knob and tube wiring – Dangers of knob and tube wiring
State-of-the-art in its day, knob and tube wiring is known for deteriorating over time from excessive heating and cooling, rodent damage or human interference. This in turn causes significant fire hazards. Exterior walls may have dramatic changes in temperatures and decades of these changes often cause the insulation of the wiring to deteriate. Coupled with the addition of modern insulation which inhibits proper air flow the potential for over heating and a fire is dramatically increased. An additional hazard arises from overloading the wiring with modern day appliances. Refrigerators, washers, dryers and other appliances have higher electrical requirements which could potentially overload the system.
Insurance for homes with knob and tube wiring – What to do if you have knob and tube wiring
The first step after discovering your home has knob and tube wiring is to have it inspected by a licensed electrician. They will be able to determine the condition of the wiring in the house. If the condition is unacceptable it may be necessary to have the wiring replaced with a modern electrical system. If the knob and tube system in your home is found to be adequate make sure to find the right broker with knowledge of carriers who accept knob & tube electrical systems. This could prevent a future claim from being denied and keep your family and hard earned assets properly protected. Need help with a quote for your home with knob and tube wiring? Call 925-235-4924 or complete the form on the right and we can help!
All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.