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.
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.
Datawise Solutions Inc
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.
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.
President, Master Electrician
CDG Electrical Inc
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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