Can I Get Homeowners’ Insurance with Knob and Tube Wiring?

If you’re new to knob and tube wiring, and its possible impacts to homeowner’s insurance in the GTA, this blog will cover everything you need to know. Our team at Langstaff & Sloan Inc. is made up of electricians and electrical contractors with a speciality in knob and tube rewiring removal. You can put your trust in us to cover everything you need to know.

What Is Knob and Tube Wiring?

This type of wiring is the first generation of wiring in Canada. It uses ceramic knobs to support individual wires running along the wooden beams, and ceramic tubes to pass through these wooden beams. The connections—done by splicing, soldering, and taping—are usually well done. However, they are not very accessible for any future repairs or alterations.

It’s considered to be an outdated form of technology, as it was used from the 1880s through the 1940s. However, this type of wiring was still used in homes up until 1950, and even in some areas through the 1960s. Changes in electricity consumption today can pose a threat to your home if you have this type of wiring.

The Risks Associated with Knob and Tube Wiring Insurance

In addition to the age of the technology, there are other concerns when it comes to knob and tube wiring insurance. The older wiring system can make it challenging to find parts, which may have resulted in improper and unsafe alterations over time. There are also risks related to insulation, the absence of ground wire, the wiring not being suitable for moist environments, and more issues.

These matters can result in an increased risk of fire and pose threats not only to your home itself, but its occupants as well. For these reasons, it may be difficult to obtain knob and tube wiring home insurance.

Your Next Steps for Knob and Tube Wiring Home Insurance

As you navigate your options, it’s important to have a discussion with your insurance agent or broker. Be prepared to provide the details of your electrical wiring to help them understand your situation. Be sure to also take a look at the right questions to ask your insurance company about knob and tube wiring.

An expert in electrical wiring services can also support you in determining the best course of action. Connect with us at Langstaff & Sloan Inc. in the GTA to discuss your options. Whether it be repairs to your knob and tube wiring or a full house electrical rewire, we have you covered. Learn more about knob and tube wiring and connect with us regarding your situation.

Source: https://langstaffandsloan.com/can-i-get-homeowners-insurance-with-knob-and-tube-wiring/