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.

Florida homeowners insurance aluminum wiring. In florida as alternatives to rewiring. Home insurance study will be helpful when choosing a. 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. Insuring a home with aluminum wiring is not impossible but it will take a few extra steps for the homeowners.

Power ratings from the 2018 u s. Others however may not want to insure a property that has aluminum wiring as any part of the property s electrical system. 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. This will not only help minimize your home insurance premium but it can also protect your home against fire and accidents.

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. Aluminum wire may be used as a substitute for copper wire in branch wiring circuits in residential commercial and industrial properties.

Your homeowners insurance will cover your electrical wiring but the coverage may vary depending on several factors. Some insurance companies are willing to insure a property if the aluminum wiring is corrected through pig tailing or the alumiconn or copalum methods. Two products on the market are copalum and alumiconn which have been approved by citizens property insurance corp. 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.

There are plenty of options for home insurance in florida but not all are created equal. Concerns were raised in the mid 1970s that structures that were wired with aluminum wire manufactured prior to 1972 so called old technology wire had a significantly increased risk of fire from faulty electrical connections over structures that were. Usually the label would say aluminum or al. Many insurance companies deny coverage if a home has aluminum wiring.

Home insurance and aluminum wiring. If you know that your home is older you will need to get electrical rewiring.