Florida Homeowners Insurance Aluminum Wiring

Home insurance and aluminum wiring.

Florida homeowners insurance aluminum wiring.

Home insurance study will be helpful when choosing a. Aluminum wiring and home insurance. 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. Your homeowners insurance will cover your electrical wiring but the coverage may vary depending on several factors.

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

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. 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. Usually the label would say aluminum or al. 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. Aluminum wire may be used as a substitute for copper wire in branch wiring circuits in residential commercial and industrial properties. Insuring a home with aluminum wiring is not impossible but it will take a few extra steps for the homeowners. There are plenty of options for home insurance in florida but not all are created equal.

Two products on the market are copalum and alumiconn which have been approved by citizens property insurance corp. Aluminum wiring was used for residential construction in the 1960 s and 1970 s due to the high cost of copper at that time. Others however may not want to insure a property that has aluminum wiring as any part of the property s electrical system. Power ratings from the 2018 u s.

Many insurance companies deny coverage if a home has aluminum wiring. This will not only help minimize your home insurance premium but it can also protect your home against fire and accidents.