Knob & Tube Wiring - November 17th 2006

Knob & Tube Wiring

Q: I read with interest an article regarding home inspections.  We too have had a problem with home insurance in recent years. In the spring of 2002 our insurance company sent out a questionnaire with some basic questions about the roof, fireplace, plumbing, electricity etc. A few months later we were shocked to hear that they would no longer provide us with insurance coverage unless we replaced all of our knob and tube wiring within 6 months. We were told this was because of Sept 11, 2001 and that this type of wiring is a fire hazard. Electricians have told us in the past that our old wiring is in excellent shape. Our home was built in 1929 by the carpenter craftsman homeowner and all details in the house show that he was a man of high standards, which we have tried to maintain.

A: Information like yours always makes me wonder why insurance companies take such a negative approach to a concern such as yours especially if you have dealt with them for many years with no claims. Why would they not hire an electrician to go out and inspect homes such as yours for safety and then make a decision based on those findings? This negative approach never stops to amaze me. I would contact some other insurance companies and review their policy conditions.