Electrical work

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Posted by: from Kitchener
1/25/2017 at 12:19:25 AM

Question is about electrical work:

1700 sq ft Bungalow house is made in 1975.

100 Amp 120/240Volt

Auxiliary Sub Panel - 60 Amp sub panel

Distribution Wiring - Copper (Romex with ground wire)

Home insurance company is telling me - house cannot be insured.

Should I get the whole house re-wired?

Should I just get some junctions / fittings replaced ?

What would be a rough estimate to re-wire 1700 Sq Ft bunglow house ?

Will wiring cut/open dry-walls / floors?

Please guide me what should be done.


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Date/Time1/25/2017 at 2:02:59 AM

You should call the electrical inspector and see what is unsafe about the electrical in the house before you spend a lot of money.

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Date/Time1/25/2017 at 9:06:51 AM

What reason was giving to you from inspector/insurance company?

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Date/Time1/25/2017 at 9:08:22 AM

Hello RBH,

I agree that someone needs to look at this and see what the issue is; from your explanation there should not be an issue. The only issue is that you said your house is Copper (CU), but a majority of homes in the 70's were wired in Aluminum (AL).

I would get a detailed reason why the insurance company will not insure you. You seem to have the main items, 100 amp service and CU wire. Now if you have a rental unit, they will want you to get a 200 amp service.

If you have AL wire, then you need an LEC to do a report on the current state of the wiring for the insurance company.

If the insurance company says they want an electrical inspection, then as Jovan suggested you can call ESA and get a 'General Inspection'. This will provide a list of defects that need to be corrected or will provide a 'Certificate of Inspection' that your insurance can use to verify the state of the electrical wiring.

From what you are describing, there is no need to consider rewiring your home.

John Kuehnl-Cadwell

Master Electrician

Datawise Solutions Inc

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Date/Time1/25/2017 at 9:50:28 AM

2015 CEC code. Floor area between 90m/SQ and 180m/sq and assuming you have a 12kw range, dryer, water heater. (100amp). But, i do not know what other loads there are or what upgrades have been done. It is much better getting an electrician to your house to give you an accurate quote.

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Christopher from CDG Electrical Inc in Cambridge
Date/Time1/25/2017 at 11:30:06 AM

Hello Rbh,

I agree with John from Datawise Solutions Inc. Even with having aluminum wire there are code complaint methods to avoid having to do a full home rewire. My recommendation would be to get clarification from your insurance company as to their justification for refusal to insure your home. After doing so, have a licenced electrician come in and go over the list and inspect the problem areas. Most electrical companies give free estimates and can provide you with their opinion at that time.

Chris DeGraaf

President, Master Electrician

CDG Electrical Inc

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Robert from Electrilight Ltd. in Oakville
Date/Time1/25/2017 at 2:36:37 PM

Honestly, get another insurance company. If these people say say cannot be insured, I would be interested knowing why not, since there are 100,000's and 100,000's in North America with all the same wiring and they have insurance. Unless that address has been flagged for wiring issues from the previous owners.

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