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Independent_guy | Electrical - why if there is knob & tube many insurance companies refuse to insure the property? |
Also, do they refer to the main panel, distribution system (wire method) or something else when they ask the question about "knob & tube"? THANKS. |
 |
 
Sue
 |
Knob & tube wiring has and will in the future cause fires. The wiring gets very hot & many times is not insulated at all. It is very thin wire that runs through porceline "knobs". It cannot take big loads (of more than a light fixture). If there has been insulation added to the walls (this wiring is over 80 yrs old - I don't think it was used after the 20s - and put in before houses had insulation) & is touching the wires, it is just a fire waiting to happen. Knob & tube is throughout the house. If you have old button switches, old fixtures & old round plugs & your house was built before the 1920s, you may very well have it in the house. We have had problems in our area where electricians only rewire the basement where the wiring can be easily seen & not in the walls where it is most dangerous (this happened to one of my insureds where she thought the whole house was rewired - because that is what she asked for & charged for & when her son went to change a switch plate, he found it & they had to have another electrician come in & rewire the whole house). We have also had a total loss due to knob & tube wiring (we insured the house for 20 yrs, well before the question was asked). BX wiring was used 60 yrs ago & is still considered OK wiring for insurance purposes but should be replaced anyway.
Try to talk to your insurance company. If you are purchasing the house, negotiate with the current owner to rewire the house & split the cost with them at closing. But, have the house completely rewired before you buy. The insurance company may agree to bind coverage if they know for sure that the wiring will be replaced immediately. They will need a work order from a licensed electrician to do the work. |
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acermill
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"Knob and tube" is the very old fashioned (and probably original) wiring in which the electrical wires were strung through the house with porcelain insulators holding them every four feet or so. Insulation on these wires is by now very brittle and may well be rodent chewed. It's a serious fire hazard.
In order to upgrade, the entire wiring system in the house (inside the walls too) has to be upgraded. It's not inexpensive, to say the least. |
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enoriverbend
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"Knob & tube" is a very old electrical wiring system only found in old and unrenovated (or partly renovated) houses. In your terminology it would be the distribution system inside the house.
It is considered to be very dangerous compared to modern wiring techniques, although this might be overstated a bit. If you were building a new house no inspector would pass it with knob & tube -- it's only allowed via grandfather clauses. I'm sure insurance companies would worry quite a bit about increased probabilities of electrical fires and the like -- I would if I were them. |
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mbrcatz
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knob & tube is usually a distribution method - usually attached to a FUSE box.
The main issue with knob & tube wiring, is that it means your wiring hasn't been updated for 60 years or so, and THAT means it's not adequate to handle a modern electric load (like microwaves, air conditioners, etc) which drastically increases the chances of a claim. Not just an electrical claim, but ANY claim. After all, if you haven't updated the electrical in 60 years, what ELSE haven't you maintained?
That's the thought. |
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Patti Wray
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I'm so lost I didn't understand your question,not one of my subjects. |
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Tom S
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What the hell? |
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