Tony Hwang wrote:


Don't get upset. This is a fact. A house suffered a fire damage. Cause
was electrical. When insurance company found out some wiring was done
w/o permit, they refused to cover the damage. DIY permit does not cost
much. I know it is none of my business.

Do you have a citation of this? I keep reading these stories out here, but I've
never seen anything more this sort of third hand anecdotal evidence. I've read
over my homeowner's policy (Texas form HO-B) and I can't see anything that I
interpret would allow them to deny a claim on this basis.

Any further information would be appreciated.

Thanks,
Doug