Glens Falls has no shortage of homes with character, from Victorian porches to early twentieth-century woodwork. Some of those older homes still contain knob-and-tube wiring, an electrical system common in houses built roughly from the 1880s through the 1930s. When it’s discovered during a purchase, a renovation, or an insurance application, it often raises questions about coverage.<\/p>\n
The system uses individual wires run through ceramic knobs and tubes inside walls and ceilings. It has no ground wire, and it wasn’t designed for the electrical demands of modern kitchens, home offices, and entertainment systems. Over time, insulation on the wires can become brittle, and later DIY repairs or blown-in insulation around the wiring can add risk.<\/p>\n
Some insurers won’t write a policy on a home with active knob-and-tube wiring, while others may accept it after an inspection or with conditions. The concern isn’t the age alone, but the condition of the wiring and how the home’s electrical load has changed.<\/p>\n
A home inspection may flag knob-and-tube, but it can be hidden. Many homes have a mix.<\/p>\n
A written report on the condition and extent of the wiring gives insurers better information than a general home inspection.<\/p>\n
Some homeowners replace the system entirely, while others update circuits in stages. Your electrician can explain options, and permits may be required.<\/p>\n
Answer application questions accurately and share updates once work is complete.<\/p>\n
After a covered fire, repairs may need to meet current electrical codes. Ordinance or law coverage can help with those added costs, so it’s worth confirming your limits.<\/p>\n
Adirondack High Peaks Agency LLC in Glens Falls, NY can talk through your options for insuring an older home. Learn more about our home insurance<\/a>, browse our insurance blog<\/a>, or contact Adirondack High Peaks Agency LLC<\/a>, serving homeowners in Glens Falls, NY and Warren County.<\/p>\n","protected":false},"excerpt":{"rendered":" Glens Falls has no shortage of homes with character, from Victorian porches to early twentieth-century woodwork. Some of those older homes still contain knob-and-tube wiring, an electrical system common in houses built roughly from the 1880s through the 1930s. When it’s discovered during a purchase, a renovation, or an insurance application, it often raises questions […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[5,6,8],"class_list":["post-73","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-adirondack-high-peaks-agency","tag-glen-falls","tag-home-insurance"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t