Florida Homeowners Insurance Aluminum Wiring

This will not only help minimize your home insurance premium but it can also protect your home against fire and accidents.

Florida homeowners insurance aluminum wiring.

Aluminum wiring and home insurance. 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. In florida as alternatives to rewiring. Some insurance companies are willing to insure a property if the aluminum wiring is corrected through pig tailing or the alumiconn or copalum methods.

Home insurance study will be helpful when choosing a. Two products on the market are copalum and alumiconn which have been approved by citizens property insurance corp. 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. 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. 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. Your homeowners insurance will cover your electrical wiring but the coverage may vary depending on several factors.

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. 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 information in this article was obtained from various sources not associated with state farm including state farm mutual automobile insurance company and its subsidiaries.

There are plenty of options for home insurance in florida but not all are created equal. 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. Many insurance companies deny coverage if a home has 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.

Usually the label would say aluminum or al. If you know that your home is older you will need to get electrical rewiring.