Electrical Fire Insurance Coverage

In 2019 the national fire association reported an average of over 354 000 house fires each year.

Electrical fire insurance coverage.

In addition to the dwelling homeowner s insurance policies cover fire damage to outbuildings on the property. If a fire is deemed to be caused by electrical issues in a home where the electrical work was not permitted by the county in which the home is located the insurance company can deny a claim. Although fire coverage is included in most homeowners insurance policies there are certain exclusions to coverage it s important to know what your coverage includes and what your options are for protecting your biggest investment your home. Here s a look at how each type of coverage may help.

If the dangers listed above are not enough to convince you then you should also be aware that doing your own electrical work will most definitely have an affect on your house insurance cover. Some companies will write directly in the policy that all electrical fires are excluded but many companies will extend coverage as well. Since an electrical fire is the result of a mechanical failure of an electrical component electrical fire claims can be very complex and stressful ones. Knob and tube wiring and aluminum wiring can often result in higher insurance.

It s important to know that some comprehensive policies exclude electrical fires from their fire coverage. Policies have deductibles but these are generally in the 500 to 1 000 range. Even if the comprehensive portion of your auto insurance policy includes reimbursement for electrical fires the claims adjuster handling your case will carefully investigate what started the fire and decide if the cause is covered by. That s because the older the wiring the more likely it is to be a fire hazard.

Homeowners insurance typically helps cover the structure of a home as well as attached structures such as a garage. If the illegal electrical job is done incorrectly and a fire results you will not be covered for the loss of your house so a job that would probably. When it comes to fire damage homeowners insurance typically helps pay for repairs to your home unattached structures on your property and your belongings.