On Sep 20, 4:25*pm, bob haller wrote:
On Sep 20, 12:00 am, bud-- wrote:
bob haller wrote:
On Sep 19, 2:42 am, bud-- wrote:
wrote:
On Thu, 17 Sep 2009 16:31:07 -0500, bud--
wrote:
The notion that insurance companies just go around "redlining" for no
reason is silly.
The notion that insurance companies have gone around "redlining"
neighborhoods is well documented. The neighborhood are likely to have
old houses. Old houses may have K&T. They also tended to have a black
population (maybe coincidence?)
Likely have a very high loss ratio in the neighbourhood.
They have their factors which affect how much they
may or may not pay out depending on multiple factors.
Like casualty [loss] data?
Personally, I
would not want to insure a 100 year old house with hacked up knob and
tube as described in the original post.
Personally I wouldn't want to insure my kid's house (when he bought it)
with hacked up Romex and other wiring.
Hacked up, along with not many outlets, is a separate issue.
IMHO K&T is safer than the early Romex (which also did not have a ground).
And what about the early 60 degree rated Romex that is buried in
insulation? Twice the heat, wires in close proximity?
Maybe insurance companies could look at the condition of the wiring?
They could at least look at casualty data. No indication yet that they did.
I guess I'd guiltu of
"redlining", whatever exactly that term means.
It was (maybe metaphorically) drawing a "red line" on a map and not
insuring houses in that area. I believe it is illegal in many (all?)
states, so insurance companies may use other means to accomplish the
same thing.
Insurance companies
are in the business of making money. Denying to take policy when
there is not substantial increased risk makes no sense.
Which goes back to the same question - what is the evidence there is
increased risk? Still missing.
Anecdotal evidence in this thread (clare's younger brother) proves Romex
is hazardous.
You are being STUPID.
The romex was not the hazard. The house was. And the installation of
the Romex.
The hazard is anecdotal proofs, which this thread seems to be full of.
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bud--- Hide quoted text -
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the proof the OPs wiring is a hazard is found in his first post. he
admitted its been hack repaired and altered. the perfect combo for a
home fire
since the OP is working for a client he will be on the hook if theres
a fire, even years later.
Whatever the condition from the OP, that is not a reflection on K&T in
general, as you want to claim.
Still missing - evidence that K&T is an intrinsic hazard. Or that it is
more of a problem than, for example, early 2 wire Romex.
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bud--- Hide quoted text -
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obviously anything thats been around this long is obsolete, lacks new
safety upgrades, and is great risk of hack repairs over its life.
have you called statre farm to confirm they wouldnt write new policies
for K&T homes?- Hide quoted text -
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As in 'early' 1950s installations of domestic electricity here!
Meter in the halfway, 115 volt two wire service, no ground, two
cartridge fuses probably 20 or 30 amps fuses, one in the neutral and
one in the live, one ceiling light (with a pull cord) in the kitchen
with everything, small radio, fridge, and when required an electric
iron (replacing the ones you used to heat on top of the stove) plugged
into it with extension cords. Quite often a water pump under the sink,
unless one still 'dipped' water from the well outside. Later on maybe
a single outlet for the big wooden TV set (only one channel until
1958); if that wasn't also plugged into the ceiling light!
Wouldn't even be allowed for hook-up these days!
There is also a story about someone who wired their own house, back
then, as electricity became available in small rural communities,
couple of hundred miles from the main city, by running individual
wires from each individual light and outlet location in the house.
Apparently ended up with a huge mess of wires at the fuse panel; must
been quite job to get ten wires on one terminal!