Erichsch- you better check your info again. If you install a wood stove and don’t get it inspected for example, insurance won’t cover a fire that was caused by the wood stove. If you had an electrician put in a 14 gauge wire with a 20 amp breaker and don’t get it inspected, insurance won’t cover a fire that was caused by that. I have asked these 2 questions to a few insurance agents and that’s the reply I got. I was involved in a 200 house fire 40 years ago and went thru the mess of getting insurance to pay for things. Ever since then, anything I wanted to add to an existing house like wood stove, dedicated lines, etc.. I always asked if insurance would cover the modification
Are aftermarket power cords required to be UL / CE approved?
Lots of folks are making and selling aftermarket power cords. In the US are these cords required to be UL or CE approved?
Wondering about the ramifications of using unapproved cords. Am I liable if someone gets shocked, could my home owners policy deny a claim if they determine a non approved cord started a fire?
Wondering about the ramifications of using unapproved cords. Am I liable if someone gets shocked, could my home owners policy deny a claim if they determine a non approved cord started a fire?
- ...
- 23 posts total
The National Electrical Code requires that all items installed in a building be tested by an NRTL,
generally that means UL listed. This does not apply to your personal
use items, but does apply to any fixed appliances or electrical
equipment that is installed within your home or commercial facility. If
your local jurisdiction has adopted the national electrical code then
this requirement applies.
|
@rbstehno Sorry, I was in the property insurance claims industry for almost 40 years. Although HO policies do have certain exclusions, there is no exclusion for stupidity or carelessness. The average person hiring an electrician would not be well versed in the various wire gauges and would claim ignorance. The claim is paid and the insurance company, hires a cause and origin investigator, documents the cause of the fire and Ins. Co. subrogates against the electrician. The wood stove example is just an example of the homeowner's stupidity, claim is paid and there is to responsible party to subrogate against. All the insured has to say is "gee I didn't know". Of course, permits and inspections as required by local jurisdictions should always be obtained for the homeowner's peace of mind. |
- 23 posts total