Florida Homeowners Insurance Aluminum Wiring

Insuring a home with aluminum wiring is not impossible but it will take a few extra steps for the homeowners.

Florida homeowners insurance aluminum wiring.

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. As we have discussed aluminum wires increase the risk of fire. 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. In florida as alternatives to rewiring.

Home insurance and aluminum wiring. Aluminum wiring was used for residential construction in the 1960 s and 1970 s due to the high cost of copper at that time. If your home has aluminum instead of copper wiring even when you don t see any of these warning signs you can t go wrong with an expert electrical system inspection. It was phased out in canada because of safety concerns with both the wiring and the terminations and connectors used when this type of wiring was introduced as these were not rated for aluminum wiring.

If you know that your home is older you will need to get electrical rewiring. This will not only help minimize your home insurance premium but it can also protect your home against fire and accidents. Power ratings from the 2018 u s. On the other hand if your home was built or renovated between the years 1965 to 1973 there is a higher chance that your home has aluminum wiring.

Home insurance study will be helpful when choosing a. Aluminum wire may be used as a substitute for copper wire in branch wiring circuits in residential commercial and industrial properties. Others however may not want to insure a property that has aluminum wiring as any part of the property s electrical system. Two products on the market are copalum and alumiconn which have been approved by citizens property insurance corp.

Some insurance companies are willing to insure a property if the aluminum wiring is corrected through pig tailing or the alumiconn or copalum methods. Many insurance companies deny coverage if a home has aluminum wiring. 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 and home insurance.

Usually the label would say aluminum or al. The information in this article was obtained from various sources not associated with state farm including state farm mutual automobile insurance company and its subsidiaries.