On Tue, 5 Dec 2006 16:59:23 -0500, "RBM" rbm2(remove
wrote:

I contacted a State Farm Insurance agent today to find out how that company
deals with homes that have K&T wiring. The replies they gave me were exactly
as I would have expected. Unfortunately, they were not willing to give me
the specific documents they read to me regarding this issue. The essence of
the document is that they want to know the percentage of K&T wiring in the
house, the condition of the K&T, and if it is adequate for the loads that
are on the wiring. There are notes indicating that they want certified
electrical inspectors or licensed electricians to make this determination,
depending upon the percentage of K&T in the building. Clearly they have an
issue with K&T , and the issue is primarily its age. They take a number of
factors in to determine if they will insure a house with this type of
wiring, but there is NO blanket denial due to K&T



Just to share with you what I was told about K & T that also scares
insurance companies. No Equipment ground. This means any modern
(last several decades) applance has to have it's 'safety' design,
defeated to plug in your outlets unless you install GFCI's on the
circuits. Either way, insurance companies can be parinoid that
someone will die.

Just telling you what I was told.

tom @ www.NoCostAds.com