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Question DetailsAsked on 8/6/2015

Do insurance companies in kentucky cover homes with aluminum wiring

My home has aluminum wiring and I have had my homeowners coverage for 20 years. Do insurance companies in kentucky still cover homes with aluminum wiring?

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I have never run into any company not covering aluminum wiring or even asking about it, but there are articles/blogs on the web sayuing some do not. I have not even run ninto an ninsurance company who asks if the wiring is aluminum, and when they do on-site inspections of home (rare) usually it is just a walk-around and a few outside photos, no interior checking.

I have heard of them requiring homes over 20 or 25 years old to have all the wiring checked and tightened up, and one case of them requiring that copper/aluminum rated connectors be retroactively fitted in the electrical boxes. But I certainly would not tell them you have aluminum wiring and get them thinking - if the policy (including riders or amended policies over the years) do not exclude it specifically then it is covered. Check what your policy and endorsements over the years say, but if it does not say anything about that generally follow the old agade of not rubbing the rotweiler's fur the wrong way to see if it still doesn't like that - or "if it ain't broke, don't fix it".

MANY older policies - especially ones 30, 40 years old with the same owner, have stuff covered which never got covered by amendments over the years, so they can cover things that are never covered in current new policies. homeowner policies are commonly not like health poilicies, where every year or two you get a whole new policy at renewal time - usually they just morph incrementally with amendatory endorsements, so old and current policies can be radically different. There are even some old policies that do not exclude ground movement, quake, hurricane, flooding - I remember seeing on my parent's original house that the about 50 year old policy did not exclude quake damage (in California) or nuclear events - which are specific exclusions in all current policies.

Answered 3 years ago by LCD

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