On 07/24/2015 09:49 PM, micky wrote:
Or what about if a licensed electrician is negligent? What if he wasn't
even trying to follow code. (Maybe he was drunk that day) Is the
homeowner still insured?

I asked the same question of my insurance agent. Her reply was as follows:

The insurance company will generally pay the first claim but...

Insurance companies have comprehensive computer databases containing
social security numbers, addresses and claim history.
Reckless folks will find themselves and/or their properties uninsurable.
Certainly not where I'd want to be.