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#1
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Older house wiring puzzle
Have a client with a house built in the '20s, originally knob and tube
wired but (partly) converted to more modren wiring methods. Basement ceiling is exposed and where the majority of the house wiring is. Lots of strange, non-standard and some clearly improper wiring exists the "flying" splices between K&T wiring and NM or armored cable (no junction box), and one place where someone just ran a single insulated wire (THHN or whatever) as a neutral from one place to another. Plus exposed K&T runs going everywhere, one right next to the hot-water shutoff valve. So I've figured out pretty much what goes where and how to replace it (mostly with runs of Romex, since it's not an occupied space). But there's one thing about the old wiring that's puzzling to me. Usually K&T runs are done with pairs of wires (Hot & neutral) running alongside each other, and in most cases that's followed he a run up into a wall will have a pair of wires going up into the subfloor. But there are a couple of places where a *single wire* is routed up out of the basement into the house above. In these cases, the wires are all hots. No corresponding single neutral wire anywhere nearby. Presumably the neutral side of the circuit is tied to the neutral of another pair of wires. This, of course, makes it difficult to map these circuits, since I can only assume that the neutral connection is made to the neutral wire corresponding to the hot wire. That's my operating assumption, anyhow: my plan is to simply replace these single-wire runs with Romex, using only the black wire. (Hmm, wonder if they make 12-1 Romex w/o ground? Probably not.) Anyone ever seen this situation in an older house? -- Found--the gene that causes belief in genetic determinism |
#2
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Older house wiring puzzle
"David Nebenzahl" wrote in message s.com... Have a client with a house built in the '20s, originally knob and tube wired but (partly) converted to more modren wiring methods. Basement ceiling is exposed and where the majority of the house wiring is. Lots of strange, non-standard and some clearly improper wiring exists the "flying" splices between K&T wiring and NM or armored cable (no junction box), and one place where someone just ran a single insulated wire (THHN or whatever) as a neutral from one place to another. Plus exposed K&T runs going everywhere, one right next to the hot-water shutoff valve. So I've figured out pretty much what goes where and how to replace it (mostly with runs of Romex, since it's not an occupied space). But there's one thing about the old wiring that's puzzling to me. Usually K&T runs are done with pairs of wires (Hot & neutral) running alongside each other, and in most cases that's followed he a run up into a wall will have a pair of wires going up into the subfloor. But there are a couple of places where a *single wire* is routed up out of the basement into the house above. In these cases, the wires are all hots. No corresponding single neutral wire anywhere nearby. Presumably the neutral side of the circuit is tied to the neutral of another pair of wires. This, of course, makes it difficult to map these circuits, since I can only assume that the neutral connection is made to the neutral wire corresponding to the hot wire. That's my operating assumption, anyhow: my plan is to simply replace these single-wire runs with Romex, using only the black wire. (Hmm, wonder if they make 12-1 Romex w/o ground? Probably not.) Anyone ever seen this situation in an older house? -- Found--the gene that causes belief in genetic determinism You need to ring it out and see where that conductor goes. It's probably going to a switch, who's return takes another path. Check outside lights, hall lights, or things like the oil burner , that may have an emergency switch in the main house |
#3
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Older house wiring puzzle
David Nebenzahl wrote:
Have a client with a house built in the '20s, originally knob and tube wired but (partly) converted to more modren wiring methods. Basement ceiling is exposed and where the majority of the house wiring is. Lots of strange, non-standard and some clearly improper wiring exists the "flying" splices between K&T wiring and NM or armored cable (no junction box), and one place where someone just ran a single insulated wire (THHN or whatever) as a neutral from one place to another. Plus exposed K&T runs going everywhere, one right next to the hot-water shutoff valve. So I've figured out pretty much what goes where and how to replace it (mostly with runs of Romex, since it's not an occupied space). But there's one thing about the old wiring that's puzzling to me. Usually K&T runs are done with pairs of wires (Hot & neutral) running alongside each other, and in most cases that's followed he a run up into a wall will have a pair of wires going up into the subfloor. But there are a couple of places where a *single wire* is routed up out of the basement into the house above. In these cases, the wires are all hots. No corresponding single neutral wire anywhere nearby. Presumably the neutral side of the circuit is tied to the neutral of another pair of wires. This, of course, makes it difficult to map these circuits, since I can only assume that the neutral connection is made to the neutral wire corresponding to the hot wire. That's my operating assumption, anyhow: my plan is to simply replace these single-wire runs with Romex, using only the black wire. (Hmm, wonder if they make 12-1 Romex w/o ground? Probably not.) Anyone ever seen this situation in an older house? I'm pretty sure you can't run a single wire. "All conductors of the same circuit and, where used, the grounded conductor and all equipment-grounding conductors and bonding conductors shall be contained within the same raceway, auxiliary gutter, cable tray, cablebus assembly, trench, cable, or cord, unless otherwise permitted" If you google appropriate portions of the code quoted above you can learn more, including the rationale. |
#4
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Older house wiring puzzle
On 9/10/2009 5:09 PM Mike Paulsen spake thus:
David Nebenzahl wrote: But there are a couple of places where a *single wire* is routed up out of the basement into the house above. In these cases, the wires are all hots. No corresponding single neutral wire anywhere nearby. Presumably the neutral side of the circuit is tied to the neutral of another pair of wires. This, of course, makes it difficult to map these circuits, since I can only assume that the neutral connection is made to the neutral wire corresponding to the hot wire. That's my operating assumption, anyhow: my plan is to simply replace these single-wire runs with Romex, using only the black wire. (Hmm, wonder if they make 12-1 Romex w/o ground? Probably not.) Anyone ever seen this situation in an older house? I'm pretty sure you can't run a single wire. "All conductors of the same circuit and, where used, the grounded conductor and all equipment-grounding conductors and bonding conductors shall be contained within the same raceway, auxiliary gutter, cable tray, cablebus assembly, trench, cable, or cord, unless otherwise permitted" I believe you. However, think about it: the only way to rectify the situation so as to bring it in line with the current code would be to rip out the existing wiring in the walls of the house and replace it. I can tell you that ain't gonna happen in this case. What I plan to do will make it safer than it is now and satisfy the client, plus make it possible for them to insulate under their floor (which can't be done now since K&T wiring cannot be embedded in insulation). By the way, in answer to another respondent, I have figured out where that single hot wire goes: I cut it, and found that most of the lighting in the front part of the house quit working. -- Found--the gene that causes belief in genetic determinism |
#5
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Older house wiring puzzle
David Nebenzahl wrote:
On 9/10/2009 5:09 PM Mike Paulsen spake thus: David Nebenzahl wrote: But there are a couple of places where a *single wire* is routed up out of the basement into the house above. In these cases, the wires are all hots. No corresponding single neutral wire anywhere nearby. Presumably the neutral side of the circuit is tied to the neutral of another pair of wires. This, of course, makes it difficult to map these circuits, since I can only assume that the neutral connection is made to the neutral wire corresponding to the hot wire. That's my operating assumption, anyhow: my plan is to simply replace these single-wire runs with Romex, using only the black wire. (Hmm, wonder if they make 12-1 Romex w/o ground? Probably not.) Anyone ever seen this situation in an older house? I'm pretty sure you can't run a single wire. "All conductors of the same circuit and, where used, the grounded conductor and all equipment-grounding conductors and bonding conductors shall be contained within the same raceway, auxiliary gutter, cable tray, cablebus assembly, trench, cable, or cord, unless otherwise permitted" I believe you. However, think about it: the only way to rectify the situation so as to bring it in line with the current code would be to rip out the existing wiring in the walls of the house and replace it. I can tell you that ain't gonna happen in this case. What I plan to do will make it safer than it is now and satisfy the client, plus make it possible for them to insulate under their floor (which can't be done now since K&T wiring cannot be embedded in insulation). By the way, in answer to another respondent, I have figured out where that single hot wire goes: I cut it, and found that most of the lighting in the front part of the house quit working. In the town I went to college in (long before they tore them all down to put up 4plexes for rich yuppie kid students), there were lots of older K&T era houses split up into student slum housing. Most common approach was to disconnect and abandon the K&T in place, and rewire the house with conduit and/or raceway on the walls. Is this a viable temporary workaround in your situation? A conduit riser in the back of a closet to small subpanels, and then out like a spiderweb into the rooms? Not pretty, but livable, and a lot cheaper than opening walls. Oh, and on that single wire? By any chance, was the house old enough that it originally had gas lights? I have seen once or twice, a cheapjack conversion, where they used the old gas lines as the return path.... -- aem sends... |
#6
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Older house wiring puzzle
On Thu, 10 Sep 2009 16:43:09 -0700, David Nebenzahl
wrote: Have a client with a house built in the '20s, originally knob and tube wired but (partly) converted to more modren wiring methods. Basement ceiling is exposed and where the majority of the house wiring is. Lots of strange, non-standard and some clearly improper wiring exists the "flying" splices between K&T wiring and NM or armored cable (no junction box), and one place where someone just ran a single insulated wire (THHN or whatever) as a neutral from one place to another. Plus exposed K&T runs going everywhere, one right next to the hot-water shutoff valve. So I've figured out pretty much what goes where and how to replace it (mostly with runs of Romex, since it's not an occupied space). But there's one thing about the old wiring that's puzzling to me. Usually K&T runs are done with pairs of wires (Hot & neutral) running alongside each other, and in most cases that's followed he a run up into a wall will have a pair of wires going up into the subfloor. But there are a couple of places where a *single wire* is routed up out of the basement into the house above. In these cases, the wires are all hots. No corresponding single neutral wire anywhere nearby. Presumably the neutral side of the circuit is tied to the neutral of another pair of wires. This, of course, makes it difficult to map these circuits, since I can only assume that the neutral connection is made to the neutral wire corresponding to the hot wire. That's my operating assumption, anyhow: my plan is to simply replace these single-wire runs with Romex, using only the black wire. (Hmm, wonder if they make 12-1 Romex w/o ground? Probably not.) Anyone ever seen this situation in an older house? Typical "ring wiring" In the low current requirements of years gone by it was not uncommon. The first house my folks bought in 1958 only had 2 circuits. All K&T, and the "live" was connected to the fuse at both ends. There had been NO modifications made in over 50 years (house was 85 when we got it) and my dad, being an electrician, rewired EVERYTHING within the first 6 months to a year. |
#7
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Older house wiring puzzle
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#9
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Older house wiring puzzle
does the clients homeowners insurance know they have K&T?
The home really needs a complete rewire bringing up to current code once you muck with this a future fire can see you on the hook for damages and insurtance company can go after you......... K&T is very obsolete and what of attic insulation? as you said you cant imbed K&T in insulation and the roof is the largest loss of heat in a home...... you say client, are you doing repairs there? |
#10
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Older house wiring puzzle
bob haller wrote:
does the clients homeowners insurance know they have K&T? The home really needs a complete rewire bringing up to current code once you muck with this a future fire can see you on the hook for damages and insurtance company can go after you......... K&T is very obsolete and what of attic insulation? as you said you cant imbed K&T in insulation and the roof is the largest loss of heat in a home...... you say client, are you doing repairs there? their insurance, like mine, probably couldn't care less. |
#11
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Older house wiring puzzle
On Sep 11, 12:34�am, Steve Barker wrote:
bob haller wrote: does the clients homeowners insurance know they have K&T? The home really needs a complete rewire bringing up to current code once you muck with this a future fire can see you on the hook for damages and insurtance company can go after you......... K&T is very obsolete and what of attic insulation? as you said you cant imbed K&T in insulation and the roof is the largest loss of heat in a home...... you say client, are you doing repairs there? their insurance, like mine, probably couldn't care less. GUARANTEED they will if theres a fire. you having been the last to work on the wiring will be on the hook. are you insured? liability if theres a fire? are you a registered electrician? besides TODAY most insurance companies wouldnt take on new customers with K&T insurance is risk adverse |
#12
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Older house wiring puzzle
bob haller wrote:
does the clients homeowners insurance know they have K&T? The home really needs a complete rewire bringing up to current code once you muck with this a future fire can see you on the hook for damages and insurtance company can go after you......... K&T is very obsolete and what of attic insulation? as you said you cant imbed K&T in insulation and the roof is the largest loss of heat in a home...... The only links I remember on K&T (originally posted by Phil Munro) a http://www.waptac.org/sp.asp?id=7190 is a report to the Illinois Department of Commerce and Community Affairs on adding building insulation around existing K&T wiring. No record of hazard was found in the large number of K&T installations that had insulation added around them. (Larry Seekon, whose comments are quoted, was head electrical inspector in Minneapolis.) http://web.archive.org/web/20040825060154/http://www.maine.gov/pfr/ins/hearing_2003-13680.htm or http://tinyurl.com/297uk7 is the record of a complaint to the Maine state Bureau of Insurance by a homeowner against an insurance company. The insurance company denied renewal of a policy based on K&T wiring. The insurance company was ordered to renew the policy because the insurance company "provided no justification for its position that knob and tube wiring per se automatically provides grounds for nonrenewal". In my opinion insurance rejection of K&T is the latest version of redlining. And if I remember right, the electricians in this newsgroup think K&T is not significantly more hazardous than other wiring methods. If it has been abused it can be a problem, as can other wiring methods. -- bud-- |
#13
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Older house wiring puzzle
David Nebenzahl wrote:
Have a client with a house built in the '20s, originally knob and tube wired but (partly) converted to more modren wiring methods. Basement ceiling is exposed and where the majority of the house wiring is. Lots of strange, non-standard and some clearly improper wiring exists the "flying" splices between K&T wiring and NM or armored cable (no junction box), and one place where someone just ran a single insulated wire (THHN or whatever) as a neutral from one place to another. Plus exposed K&T runs going everywhere, one right next to the hot-water shutoff valve. So I've figured out pretty much what goes where and how to replace it (mostly with runs of Romex, since it's not an occupied space). But there's one thing about the old wiring that's puzzling to me. Usually K&T runs are done with pairs of wires (Hot & neutral) running alongside each other, and in most cases that's followed he a run up into a wall will have a pair of wires going up into the subfloor. But there are a couple of places where a *single wire* is routed up out of the basement into the house above. In these cases, the wires are all hots. No corresponding single neutral wire anywhere nearby. Presumably the neutral side of the circuit is tied to the neutral of another pair of wires. This, of course, makes it difficult to map these circuits, since I can only assume that the neutral connection is made to the neutral wire corresponding to the hot wire. That's my operating assumption, anyhow: my plan is to simply replace these single-wire runs with Romex, using only the black wire. (Hmm, wonder if they make 12-1 Romex w/o ground? Probably not.) Anyone ever seen this situation in an older house? The only singe-wire runs you *should* have are ground wires added later to an existing ungrounded circuit. I would recommend leaving any sound K&T wiring going to the bedrooms and such alone. Original wiring that was done right and not messed with. The mess that you're talking about, I'd replace it all with new NM cable; abandon in place the stuff that's hidden in the walls and tear out what's exposed in the basement. DO NOT do that black-wire-only thing you are talking about. Last time I checked (which was in 1995) K&T was an acceptable wiring method in the electrical code, but not for new work. You could still make repairs to old K&T and the NEC gave some details about it. Maybe you could just cut those single wires and see what goes dead? :-) (Probably switched lights or split outlets.) Best regards, Bob (not an electrician) |
#14
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Older house wiring puzzle
On 9/11/2009 9:27 AM bud-- spake thus:
bob haller wrote: does the clients homeowners insurance know they have K&T? The home really needs a complete rewire bringing up to current code once you muck with this a future fire can see you on the hook for damages and insurtance company can go after you......... K&T is very obsolete and what of attic insulation? as you said you cant imbed K&T in insulation and the roof is the largest loss of heat in a home...... The only links I remember on K&T (originally posted by Phil Munro) a http://www.waptac.org/sp.asp?id=7190 is a report to the Illinois Department of Commerce and Community Affairs on adding building insulation around existing K&T wiring. No record of hazard was found in the large number of K&T installations that had insulation added around them. (Larry Seekon, whose comments are quoted, was head electrical inspector in Minneapolis.) http://web.archive.org/web/20040825060154/http://www.maine.gov/pfr/ins/hearing_2003-13680.htm or http://tinyurl.com/297uk7 is the record of a complaint to the Maine state Bureau of Insurance by a homeowner against an insurance company. The insurance company denied renewal of a policy based on K&T wiring. The insurance company was ordered to renew the policy because the insurance company "provided no justification for its position that knob and tube wiring per se automatically provides grounds for nonrenewal". In my opinion insurance rejection of K&T is the latest version of redlining. And if I remember right, the electricians in this newsgroup think K&T is not significantly more hazardous than other wiring methods. If it has been abused it can be a problem, as can other wiring methods. Thank you very much for those useful links, which are a good antidote to the previous poster's paranoia. I must say, though, that as comforting as the findings there are (that insulating around K&T wiring poses no dire threat), I won't do it. When it comes to wiring I always like to err on the side of caution. But yes, the previous poster's shrieks of alarm are unwarranted. Properly done K&T wiring in good condition (as the wiring in this particular house is) is no less safe than modren wiring methods. -- Found--the gene that causes belief in genetic determinism |
#15
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Older house wiring puzzle
On 9/11/2009 10:00 AM zxcvbob spake thus:
David Nebenzahl wrote: But there's one thing about the old wiring that's puzzling to me. Usually K&T runs are done with pairs of wires (Hot & neutral) running alongside each other, and in most cases that's followed he a run up into a wall will have a pair of wires going up into the subfloor. But there are a couple of places where a *single wire* is routed up out of the basement into the house above. In these cases, the wires are all hots. No corresponding single neutral wire anywhere nearby. Presumably the neutral side of the circuit is tied to the neutral of another pair of wires. This, of course, makes it difficult to map these circuits, since I can only assume that the neutral connection is made to the neutral wire corresponding to the hot wire. That's my operating assumption, anyhow: my plan is to simply replace these single-wire runs with Romex, using only the black wire. (Hmm, wonder if they make 12-1 Romex w/o ground? Probably not.) Anyone ever seen this situation in an older house? The only singe-wire runs you *should* have are ground wires added later to an existing ungrounded circuit. I would recommend leaving any sound K&T wiring going to the bedrooms and such alone. Original wiring that was done right and not messed with. The mess that you're talking about, I'd replace it all with new NM cable; abandon in place the stuff that's hidden in the walls and tear out what's exposed in the basement. DO NOT do that black-wire-only thing you are talking about. But I have to if I want to get rid of the K&T runs as the homeowner wants me to. Since I'll be replacing it with NM cable (which is what I proposed--*NOT* just running a single black wire, like the person before me who ran a single white wire several feet for a neutral conductor)--it'll be as safe or safer than what was there before. Last time I checked (which was in 1995) K&T was an acceptable wiring method in the electrical code, but not for new work. You could still make repairs to old K&T and the NEC gave some details about it. Maybe you could just cut those single wires and see what goes dead? :-) (Probably switched lights or split outlets.) I already did that, and I thought I posted that here. When I cut the single wire, all the lights in the front of the house--living room and front porch--went out. No outlets, just lights. So I know what's on that circuit. I just don't know exactly where neutral wire for that circuit comes out. But since it'll all be replaced by NM anyhow, doesn't really matter. I was hoping someone could comment authoritatively on that anomaly (the single-wire feeds), but I guess not. -- Found--the gene that causes belief in genetic determinism |
#16
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Older house wiring puzzle
David Nebenzahl wrote:
.... But yes, the previous poster's shrieks of alarm are unwarranted. Indeed... But, it's his personal vendetta it appears despite chastisement and demonstration that he's simply just generally wrong on numerous previous occasions as well... -- |
#17
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Older house wiring puzzle
On 9/11/2009 10:48 AM dpb spake thus:
David Nebenzahl wrote: ... But yes, the previous poster's shrieks of alarm are unwarranted. Indeed... But, it's his personal vendetta it appears despite chastisement and demonstration that he's simply just generally wrong on numerous previous occasions as well... Plus he's one of the few posters here with the annoying habit of never quoting previous replies (small point, but not in his favor). I will say that I think exercising due caution when doing electrical work is important. I cringe when I see the numerous news reports of houses burning down, just wondering whether it was an electrical fire that was responsible. I don't *ever* want to be the cause of such a fire. But that doesn't mean one has to be a total Cassandra about it either ... -- Found--the gene that causes belief in genetic determinism |
#18
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Older house wiring puzzle
bob haller wrote:
On Sep 11, 12:34�am, Steve Barker wrote: bob haller wrote: does the clients homeowners insurance know they have K&T? The home really needs a complete rewire bringing up to current code once you muck with this a future fire can see you on the hook for damages and insurtance company can go after you......... K&T is very obsolete and what of attic insulation? as you said you cant imbed K&T in insulation and the roof is the largest loss of heat in a home...... you say client, are you doing repairs there? their insurance, like mine, probably couldn't care less. GUARANTEED they will if theres a fire. you having been the last to work on the wiring will be on the hook. are you insured? liability if theres a fire? are you a registered electrician? besides TODAY most insurance companies wouldnt take on new customers with K&T BULL****. pure and simple bull****. Bob buddy, we've been down this road before in this group about K&T wiring and your Bull**** theories about insurance. I even ASKED my *new* insurance agent about this exact thing, and he said "we could care less". He also told me they're not concerned as to who worked on the wiring last, cause I told him I do all my own work. So, why not just drop the bull**** insurance thing about this type of wiring. There's absolutely NO documented evidence about K&T wiring causing fires, there's absolutely NO documented evidence about K&T wiring being covered with insulation being any more dangerous than if not covered, AND there's absolutely NO documentation to substantiate your bull**** claim that insurance companies will not insure a house with K&T wiring. Why don't you just get off it? Did your mom whip you with K&T wiring, or what? What is your big ****ing deal anyway? s |
#19
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Older house wiring puzzle
David Nebenzahl wrote:
On 9/11/2009 9:27 AM bud-- spake thus: bob haller wrote: does the clients homeowners insurance know they have K&T? The home really needs a complete rewire bringing up to current code once you muck with this a future fire can see you on the hook for damages and insurtance company can go after you......... K&T is very obsolete and what of attic insulation? as you said you cant imbed K&T in insulation and the roof is the largest loss of heat in a home...... The only links I remember on K&T (originally posted by Phil Munro) a http://www.waptac.org/sp.asp?id=7190 is a report to the Illinois Department of Commerce and Community Affairs on adding building insulation around existing K&T wiring. No record of hazard was found in the large number of K&T installations that had insulation added around them. (Larry Seekon, whose comments are quoted, was head electrical inspector in Minneapolis.) http://web.archive.org/web/20040825060154/http://www.maine.gov/pfr/ins/hearing_2003-13680.htm or http://tinyurl.com/297uk7 is the record of a complaint to the Maine state Bureau of Insurance by a homeowner against an insurance company. The insurance company denied renewal of a policy based on K&T wiring. The insurance company was ordered to renew the policy because the insurance company "provided no justification for its position that knob and tube wiring per se automatically provides grounds for nonrenewal". In my opinion insurance rejection of K&T is the latest version of redlining. And if I remember right, the electricians in this newsgroup think K&T is not significantly more hazardous than other wiring methods. If it has been abused it can be a problem, as can other wiring methods. Thank you very much for those useful links, which are a good antidote to the previous poster's paranoia. I must say, though, that as comforting as the findings there are (that insulating around K&T wiring poses no dire threat), I won't do it. When it comes to wiring I always like to err on the side of caution. But yes, the previous poster's shrieks of alarm are unwarranted. Properly done K&T wiring in good condition (as the wiring in this particular house is) is no less safe than modren wiring methods. That's a fact jack. And covering it with insulation does nothing to it either. Well, it might keep the mice and squirrels off it. LOL! As for being a fire hazard, well a 14 ga wire on a 15a breaker is not going to get hot, and it is almost always at least 10" away from it's partner wire, so there's not much chance of a short, so I would go so far as to say the K&T wiring methods in many ways are much safer than the practices we use today. |
#20
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Older house wiring puzzle
David Nebenzahl wrote:
On 9/11/2009 9:27 AM bud-- spake thus: bob haller wrote: does the clients homeowners insurance know they have K&T? The home really needs a complete rewire bringing up to current code once you muck with this a future fire can see you on the hook for damages and insurtance company can go after you......... K&T is very obsolete and what of attic insulation? as you said you cant imbed K&T in insulation and the roof is the largest loss of heat in a home...... The only links I remember on K&T (originally posted by Phil Munro) a http://www.waptac.org/sp.asp?id=7190 is a report to the Illinois Department of Commerce and Community Affairs on adding building insulation around existing K&T wiring. No record of hazard was found in the large number of K&T installations that had insulation added around them. (Larry Seekon, whose comments are quoted, was head electrical inspector in Minneapolis.) http://web.archive.org/web/20040825060154/http://www.maine.gov/pfr/ins/hearing_2003-13680.htm or http://tinyurl.com/297uk7 is the record of a complaint to the Maine state Bureau of Insurance by a homeowner against an insurance company. The insurance company denied renewal of a policy based on K&T wiring. The insurance company was ordered to renew the policy because the insurance company "provided no justification for its position that knob and tube wiring per se automatically provides grounds for nonrenewal". In my opinion insurance rejection of K&T is the latest version of redlining. And if I remember right, the electricians in this newsgroup think K&T is not significantly more hazardous than other wiring methods. If it has been abused it can be a problem, as can other wiring methods. Thank you very much for those useful links, which are a good antidote to the previous poster's paranoia. I must say, though, that as comforting as the findings there are (that insulating around K&T wiring poses no dire threat), I won't do it. When it comes to wiring I always like to err on the side of caution. But yes, the previous poster's shrieks of alarm are unwarranted. Properly done K&T wiring in good condition (as the wiring in this particular house is) is no less safe than modren wiring methods. I think the phrase "once you muck with this" is the key. It doesn't matter whether you (in theory) do or do not make it any worse than it is now. Once you touch it you may be held responsible for it. Does local code/law require you to be a licensed electrician to do this work? Does your liability insurance cover electrical work you perform? Does the locale require permits? Will the owner's policy cover them if non-permitted or non-inspected work results in damage? |
#21
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Older house wiring puzzle
"David Nebenzahl" wrote in message s.com... I already did that, and I thought I posted that here. When I cut the single wire, all the lights in the front of the house--living room and front porch--went out. No outlets, just lights. So I know what's on that circuit. I just don't know exactly where neutral wire for that circuit comes out. But since it'll all be replaced by NM anyhow, doesn't really matter. I was hoping someone could comment authoritatively on that anomaly (the single-wire feeds), but I guess not. To trace the mystery wire get one of those AC circuit tester pen gizmos. If I recall these will sniff out an active circuit under the plaster. So what you do is kill all circuits except the mystery one and trace the wire runs. -- Roger Shoaf About the time I had mastered getting the toothpaste back in the tube, then they come up with this striped stuff. |
#22
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Older house wiring puzzle
On Sep 11, 2:34�pm, Mike Paulsen wrote:
David Nebenzahl wrote: On 9/11/2009 9:27 AM bud-- spake thus: bob haller wrote: does the clients homeowners insurance know they have K&T? The home really needs a complete rewire bringing up to current code once you muck with this a future fire can see you on the hook for damages and insurtance company can go after you......... K&T is very obsolete and what of attic insulation? as you said you cant imbed K&T in insulation and the roof is the largest loss of heat in a home...... The only links I remember on K&T (originally posted by Phil Munro) a http://www.waptac.org/sp.asp?id=7190 is a report to the Illinois Department of Commerce and Community Affairs on adding building insulation around existing K&T wiring. No record of hazard was found in the large number of K&T installations that had insulation added around them. (Larry Seekon, whose comments are quoted, was head electrical inspector in Minneapolis.) http://web.archive.org/web/20040825060154/http://www.maine.gov/pfr/in.... � or http://tinyurl.com/297uk7 is the record of a complaint to the Maine state Bureau of Insurance by a homeowner against an insurance company. The insurance company denied renewal of a policy based on K&T wiring. The insurance company was ordered to renew the policy because the insurance company "provided no justification for its position that knob and tube wiring per se automatically provides grounds for nonrenewal". In my opinion insurance rejection of �K&T is the latest version of redlining. And if I remember right, the electricians in this newsgroup think K&T is not significantly more hazardous than other wiring methods. If it has been abused it can be a problem, as can other wiring methods. Thank you very much for those useful links, which are a good antidote to the previous poster's paranoia. I must say, though, that as comforting as the findings there are (that insulating around K&T wiring poses no dire threat), I won't do it. When it comes to wiring I always like to err on the side of caution. But yes, the previous poster's �shrieks of alarm are unwarranted. Properly done K&T wiring in good condition (as the wiring in this particular house is) is no less safe than modren wiring methods. I think the phrase "once you muck with this" is the key. It doesn't matter whether you (in theory) do or do not make it any worse than it is now. �Once you touch it you may be held responsible for it. Does local code/law require you to be a licensed electrician to do this work? Does your liability insurance cover electrical work you perform? Does the locale require permits? �Will the owner's policy cover them if non-permitted or non-inspected work results in damage?- Hide quoted text - - Show quoted text - I asked state farm my homeowners carrier about K&T the agent reported we cant write new policies for it. A few years ago A friends homeowners company wenty out of business, he HAD to have his home rewired since no other company would insure K&T He also had to have a railing installed on some outside steps, repair some cracked cement walk areas, dispose of debris stored under his porch. homeowners insurance has changed dramatically in the last 10 years I really dont care what anyone does to their home. but a contractor or home handyman should be very careful. its probably impossible to prove who did what when to the wiring the OP admits was hacked repaired. so there could be another unknown fault he doesnt know about but might end up in legal trouble over that he didnt even do. if theres a fire the wiring will be looked at carefully, legal defense even if OP wins can easily cost thousands. you were warned |
#23
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Older house wiring puzzle
On Fri, 11 Sep 2009 13:27:52 -0500, Steve Barker
wrote: bob haller wrote: On Sep 11, 12:34?am, Steve Barker wrote: bob haller wrote: does the clients homeowners insurance know they have K&T? The home really needs a complete rewire bringing up to current code once you muck with this a future fire can see you on the hook for damages and insurtance company can go after you......... K&T is very obsolete and what of attic insulation? as you said you cant imbed K&T in insulation and the roof is the largest loss of heat in a home...... you say client, are you doing repairs there? their insurance, like mine, probably couldn't care less. GUARANTEED they will if theres a fire. you having been the last to work on the wiring will be on the hook. are you insured? liability if theres a fire? are you a registered electrician? besides TODAY most insurance companies wouldnt take on new customers with K&T BULL****. pure and simple bull****. Bob buddy, we've been down this road before in this group about K&T wiring and your Bull**** theories about insurance. I even ASKED my *new* insurance agent about this exact thing, and he said "we could care less". He also told me they're not concerned as to who worked on the wiring last, cause I told him I do all my own work. So, why not just drop the bull**** insurance thing about this type of wiring. There's absolutely NO documented evidence about K&T wiring causing fires, there's absolutely NO documented evidence about K&T wiring being covered with insulation being any more dangerous than if not covered, AND there's absolutely NO documentation to substantiate your bull**** claim that insurance companies will not insure a house with K&T wiring. Why don't you just get off it? Did your mom whip you with K&T wiring, or what? What is your big ****ing deal anyway? s I beg to differ with you. There is not an insurance company doing business in Ontario Canada that will write new business on a house with 1) K&T wiring or 2) aluminum wiring without electrical inspection proving either compatible (coalr) devices or properly installed copper pigtails ANd very few that will write new business on houses with 1) Cast iron waste stack or 2) Galvanized water pipes. Or non UL listed wood burning stoves or fireplaces My daughter is assistant operations manager of a relatively large general insurance brokerage (agency) here in Kitchener/Waterloo and placing insurance on these types of properties is getting EXTREMELY difficult. |
#24
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Older house wiring puzzle
On Fri, 11 Sep 2009 10:29:29 -0700, David Nebenzahl
wrote: On 9/11/2009 9:27 AM bud-- spake thus: bob haller wrote: does the clients homeowners insurance know they have K&T? The home really needs a complete rewire bringing up to current code once you muck with this a future fire can see you on the hook for damages and insurtance company can go after you......... K&T is very obsolete and what of attic insulation? as you said you cant imbed K&T in insulation and the roof is the largest loss of heat in a home...... The only links I remember on K&T (originally posted by Phil Munro) a http://www.waptac.org/sp.asp?id=7190 is a report to the Illinois Department of Commerce and Community Affairs on adding building insulation around existing K&T wiring. No record of hazard was found in the large number of K&T installations that had insulation added around them. (Larry Seekon, whose comments are quoted, was head electrical inspector in Minneapolis.) http://web.archive.org/web/20040825060154/http://www.maine.gov/pfr/ins/hearing_2003-13680.htm or http://tinyurl.com/297uk7 is the record of a complaint to the Maine state Bureau of Insurance by a homeowner against an insurance company. The insurance company denied renewal of a policy based on K&T wiring. The insurance company was ordered to renew the policy because the insurance company "provided no justification for its position that knob and tube wiring per se automatically provides grounds for nonrenewal". In my opinion insurance rejection of K&T is the latest version of redlining. And if I remember right, the electricians in this newsgroup think K&T is not significantly more hazardous than other wiring methods. If it has been abused it can be a problem, as can other wiring methods. Thank you very much for those useful links, which are a good antidote to the previous poster's paranoia. I must say, though, that as comforting as the findings there are (that insulating around K&T wiring poses no dire threat), I won't do it. When it comes to wiring I always like to err on the side of caution. But yes, the previous poster's shrieks of alarm are unwarranted. Properly done K&T wiring in good condition (as the wiring in this particular house is) is no less safe than modren wiring methods. EXCEPT it is not designed to handle the current requirements of today's average home. In a LOT of ways, it is actually SAFER (electrically) than current wiring practices as the live and neutral are widely spaced. Pretty hard to drive a nail through a wire and cause a short. However, MANY older homes with K&T have NO BOXES. Therefore no "fire enclosure" if a faulty device (switch , receptacle, or lamp base) should start on fire. That's where the underwritters start having fits. Particularly if there is flamable insulation around those wires. |
#25
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Older house wiring puzzle
On Fri, 11 Sep 2009 11:11:28 -0700, David Nebenzahl
wrote: On 9/11/2009 10:48 AM dpb spake thus: David Nebenzahl wrote: ... But yes, the previous poster's shrieks of alarm are unwarranted. Indeed... But, it's his personal vendetta it appears despite chastisement and demonstration that he's simply just generally wrong on numerous previous occasions as well... Plus he's one of the few posters here with the annoying habit of never quoting previous replies (small point, but not in his favor). I will say that I think exercising due caution when doing electrical work is important. I cringe when I see the numerous news reports of houses burning down, just wondering whether it was an electrical fire that was responsible. I don't *ever* want to be the cause of such a fire. But that doesn't mean one has to be a total Cassandra about it either ... My younger brother's old house (old crappy farm house) burned down due to an electrical fault. The house had a LOT of K&T wiring - but it wasn't K&T that caused the fire. The old "shack" had a sagging summer kitchen - and the ROMEX wire going from the main house to the addition had a "shear failure" due to movement between the 2 parts of the building. The wires rubbed through the insulation enough to cause heat without blowing the breaker/fuse. (Think it was the stove cable). Anyway, it got him a new house. |
#26
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Older house wiring puzzle
On Sep 11, 2:34*pm, Mike Paulsen wrote:
David Nebenzahl wrote: On 9/11/2009 9:27 AM bud-- spake thus: bob haller wrote: does the clients homeowners insurance know they have K&T? The home really needs a complete rewire bringing up to current code once you muck with this a future fire can see you on the hook for damages and insurtance company can go after you......... K&T is very obsolete and what of attic insulation? as you said you cant imbed K&T in insulation and the roof is the largest loss of heat in a home...... The only links I remember on K&T (originally posted by Phil Munro) a http://www.waptac.org/sp.asp?id=7190 is a report to the Illinois Department of Commerce and Community Affairs on adding building insulation around existing K&T wiring. No record of hazard was found in the large number of K&T installations that had insulation added around them. (Larry Seekon, whose comments are quoted, was head electrical inspector in Minneapolis.) http://web.archive.org/web/20040825060154/http://www.maine.gov/pfr/in.... * or http://tinyurl.com/297uk7 is the record of a complaint to the Maine state Bureau of Insurance by a homeowner against an insurance company. The insurance company denied renewal of a policy based on K&T wiring. The insurance company was ordered to renew the policy because the insurance company "provided no justification for its position that knob and tube wiring per se automatically provides grounds for nonrenewal". In my opinion insurance rejection of *K&T is the latest version of redlining. And if I remember right, the electricians in this newsgroup think K&T is not significantly more hazardous than other wiring methods. If it has been abused it can be a problem, as can other wiring methods. Thank you very much for those useful links, which are a good antidote to the previous poster's paranoia. I must say, though, that as comforting as the findings there are (that insulating around K&T wiring poses no dire threat), I won't do it. When it comes to wiring I always like to err on the side of caution. But yes, the previous poster's *shrieks of alarm are unwarranted. Properly done K&T wiring in good condition (as the wiring in this particular house is) is no less safe than modren wiring methods. I think the phrase "once you muck with this" is the key. It doesn't matter whether you (in theory) do or do not make it any worse than it is now. *Once you touch it you may be held responsible for it. Does local code/law require you to be a licensed electrician to do this work? Does your liability insurance cover electrical work you perform? Does the locale require permits? *Will the owner's policy cover them if non-permitted or non-inspected work results in damage?- Hide quoted text - - Show quoted text - I think all the above are very good questions. I would be damn careful what I did to patch up or improve old K&T wiring which is already a mess. And I would be certain to know the code, pull any required permits and get any required inspections. Just because a customer wants something done on the cheap doesn't mean as a professional you should do it. If someone gets electrocuted or the house burns down, you could very well be sued. And for a professional the courts generally take the view that YOU are the expert and should not be doing something half assed or on the cheap that isn't really the right thing to do just because a client wants it. Also regarding the debate about insurance and K&T, a simple google for "knob tube insurance" brings you lots of hits that say there most certainly are issues of insurability with at least some insurance companies. |
#27
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Older house wiring puzzle
On Sep 10, 11:05*pm, wrote:
On Thu, 10 Sep 2009 19:47:25 -0700, David Nebenzahl wrote: On 9/10/2009 7:34 PM spake thus: On Thu, 10 Sep 2009 16:43:09 -0700, David Nebenzahl wrote: But there's one thing about the old wiring that's puzzling to me. Usually K&T runs are done with pairs of wires (Hot & neutral) running alongside each other, and in most cases that's followed he a run up into a wall will have a pair of wires going up into the subfloor. But there are a couple of places where a *single wire* is routed up out of the basement into the house above. In these cases, the wires are all hots. No corresponding single neutral wire anywhere nearby. Presumably the neutral side of the circuit is tied to the neutral of another pair of wires. This, of course, makes it difficult to map these circuits, since I can only assume that the neutral connection is made to the neutral wire corresponding to the hot wire. That's my operating assumption, anyhow: my plan is to simply replace these single-wire runs with Romex, using only the black wire. (Hmm, wonder if they make 12-1 Romex w/o ground? Probably not.) Anyone ever seen this situation in an older house? Typical "ring wiring" In the low current requirements of years gone by it was not uncommon. The first house my folks bought in 1958 only had 2 circuits. All K&T, and the "live" was connected to the fuse at both ends. Apparently this house has a couple of partial "ring" circuits in addition to more conventional (by U.S. standards) wiring. What you soon learn working on old K&T houses is there is no such thing as "conventional"- Hide quoted text - - Show quoted text - I was trying to sort out the K&T wiring in my grandfathers house. I followed a pair of wires through the attic thinking one was hot and the other neutral. Wrong, both were hot and went to overhead lighting. The switches were in the neutral side and these wires connected to a pipe buried in the ground along side the house. Apparently this was the neutral/ground buss. The current switches in the house were modern switches but from some old photos taken in the 40sI learned they used to be knife switches. Final solution was to just rip everything out and rewire. Jimmie |
#28
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#29
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#31
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Older house wiring puzzle
JIMMIE wrote:
On Sep 10, 11:05 pm, wrote: On Thu, 10 Sep 2009 19:47:25 -0700, David Nebenzahl wrote: On 9/10/2009 7:34 PM spake thus: On Thu, 10 Sep 2009 16:43:09 -0700, David Nebenzahl wrote: But there's one thing about the old wiring that's puzzling to me. Usually K&T runs are done with pairs of wires (Hot & neutral) running alongside each other, and in most cases that's followed he a run up into a wall will have a pair of wires going up into the subfloor. But there are a couple of places where a *single wire* is routed up out of the basement into the house above. In these cases, the wires are all hots. No corresponding single neutral wire anywhere nearby. Presumably the neutral side of the circuit is tied to the neutral of another pair of wires. This, of course, makes it difficult to map these circuits, since I can only assume that the neutral connection is made to the neutral wire corresponding to the hot wire. That's my operating assumption, anyhow: my plan is to simply replace these single-wire runs with Romex, using only the black wire. (Hmm, wonder if they make 12-1 Romex w/o ground? Probably not.) Anyone ever seen this situation in an older house? Typical "ring wiring" In the low current requirements of years gone by it was not uncommon. The first house my folks bought in 1958 only had 2 circuits. All K&T, and the "live" was connected to the fuse at both ends. Apparently this house has a couple of partial "ring" circuits in addition to more conventional (by U.S. standards) wiring. What you soon learn working on old K&T houses is there is no such thing as "conventional"- Hide quoted text - - Show quoted text - I was trying to sort out the K&T wiring in my grandfathers house. I followed a pair of wires through the attic thinking one was hot and the other neutral. Wrong, both were hot and went to overhead lighting. The switches were in the neutral side and these wires connected to a pipe buried in the ground along side the house. Apparently this was the neutral/ground buss. The current switches in the house were modern switches but from some old photos taken in the 40sI learned they used to be knife switches. Final solution was to just rip everything out and rewire. Jimmie The switching on the neutral side carried over into the romex days. I found that in my next to last house we bought. BUT they did have all the switch branches junctioned in boxes in the attic, so it wasn't a big deal to make it right. |
#32
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Older house wiring puzzle
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#33
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Older house wiring puzzle
Mudslides, hurricanes, and such will make a big comeback.
-- Christopher A. Young Learn more about Jesus www.lds.org .. "The Daring Dufas" wrote in message ... Hell, the present Communist takeover of the US Government is going to put rules into place that will require you to upgrade a home to their satisfaction before you can sell it. I see many mysterious house fires happening to properties that can't be sold. TDD |
#34
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Older house wiring puzzle
In article ,
Steve Barker wrote: BULL****. pure and simple bull****. Bob buddy, we've been down this road before in this group about K&T wiring and your Bull**** theories about insurance. I even ASKED my *new* insurance agent about this exact thing, and he said "we could care less". He also told me they're not concerned as to who worked on the wiring last, cause I told him I do all my own work. So, why not just drop the bull**** insurance thing about this type of wiring. There's absolutely NO documented evidence about K&T wiring causing fires, there's absolutely NO documented evidence about K&T wiring being covered with insulation being any more dangerous than if not covered, AND there's absolutely NO documentation to substantiate your bull**** claim that insurance companies will not insure a house with K&T wiring. Why don't you just get off it? Did your mom whip you with K&T wiring, or what? What is your big ****ing deal anyway? s C'mon, Steve, don't be shy. How do you really feel about K&T? Give it to us straight. |
#35
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Older house wiring puzzle
Steve Barker wrote: So, why not just drop the bull**** insurance thing about this type of wiring. There's absolutely NO documented evidence about K&T wiring causing fires, there's absolutely NO documented evidence about K&T wiring being covered with insulation being any more dangerous than if not covered, AND there's absolutely NO documentation to substantiate your bull**** claim that insurance companies will not insure a house with K&T wiring. When I changed insurance companies, the questionnaire asked if the house had K&T wiring. I have no idea what they do with the information if they get a yes. They also asked about swimming pools, fences, roof, etc. |
#36
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Older house wiring puzzle
In article ,
Mike Paulsen wrote: I think the phrase "once you muck with this" is the key. It doesn't matter whether you (in theory) do or do not make it any worse than it is now. Once you touch it you may be held responsible for it. Agreed. I tried to refer my electrician to a friend with a mobile home with an intermittent outlet, and he flat-out refused. Called them all fire traps, and said he wouldn't so much as change a light bulb in a mobile home for fear of being held liable if the place burned down later. I've also heard rumors that once you upgrade any part of older wiring, the entire house has to be brought up to current code. But since no one else has brought it up, maybe no truth to it or maybe it's just a local issue. |
#37
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Older house wiring puzzle
On Fri, 11 Sep 2009 20:29:51 -0500, Steve Barker
wrote: wrote: On Fri, 11 Sep 2009 13:27:52 -0500, Steve Barker wrote: bob haller wrote: On Sep 11, 12:34?am, Steve Barker wrote: bob haller wrote: does the clients homeowners insurance know they have K&T? The home really needs a complete rewire bringing up to current code once you muck with this a future fire can see you on the hook for damages and insurtance company can go after you......... K&T is very obsolete and what of attic insulation? as you said you cant imbed K&T in insulation and the roof is the largest loss of heat in a home...... you say client, are you doing repairs there? their insurance, like mine, probably couldn't care less. GUARANTEED they will if theres a fire. you having been the last to work on the wiring will be on the hook. are you insured? liability if theres a fire? are you a registered electrician? besides TODAY most insurance companies wouldnt take on new customers with K&T BULL****. pure and simple bull****. Bob buddy, we've been down this road before in this group about K&T wiring and your Bull**** theories about insurance. I even ASKED my *new* insurance agent about this exact thing, and he said "we could care less". He also told me they're not concerned as to who worked on the wiring last, cause I told him I do all my own work. So, why not just drop the bull**** insurance thing about this type of wiring. There's absolutely NO documented evidence about K&T wiring causing fires, there's absolutely NO documented evidence about K&T wiring being covered with insulation being any more dangerous than if not covered, AND there's absolutely NO documentation to substantiate your bull**** claim that insurance companies will not insure a house with K&T wiring. Why don't you just get off it? Did your mom whip you with K&T wiring, or what? What is your big ****ing deal anyway? s I beg to differ with you. There is not an insurance company doing business in Ontario Canada that will write new business on a house with 1) K&T wiring or 2) aluminum wiring without electrical inspection proving either compatible (coalr) devices or properly installed copper pigtails ANd very few that will write new business on houses with 1) Cast iron waste stack or 2) Galvanized water pipes. Or non UL listed wood burning stoves or fireplaces My daughter is assistant operations manager of a relatively large general insurance brokerage (agency) here in Kitchener/Waterloo and placing insurance on these types of properties is getting EXTREMELY difficult. So, what you're telling me is that a guy goes and buys a 80 yo house from the original family (never rewired) and he flat cannot buy insurance without a complete rewire??? Sounds like reason #459 not to live in canada if that's the case. That is true, but there is no better place on earth to live, on the whole. And I've lived in quite a few. |
#38
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Older house wiring puzzle
On Fri, 11 Sep 2009 23:12:48 -0500, The Daring Dufas
wrote: Steve Barker wrote: wrote: On Fri, 11 Sep 2009 13:27:52 -0500, Steve Barker wrote: bob haller wrote: On Sep 11, 12:34?am, Steve Barker wrote: bob haller wrote: does the clients homeowners insurance know they have K&T? The home really needs a complete rewire bringing up to current code once you muck with this a future fire can see you on the hook for damages and insurtance company can go after you......... K&T is very obsolete and what of attic insulation? as you said you cant imbed K&T in insulation and the roof is the largest loss of heat in a home...... you say client, are you doing repairs there? their insurance, like mine, probably couldn't care less. GUARANTEED they will if theres a fire. you having been the last to work on the wiring will be on the hook. are you insured? liability if theres a fire? are you a registered electrician? besides TODAY most insurance companies wouldnt take on new customers with K&T BULL****. pure and simple bull****. Bob buddy, we've been down this road before in this group about K&T wiring and your Bull**** theories about insurance. I even ASKED my *new* insurance agent about this exact thing, and he said "we could care less". He also told me they're not concerned as to who worked on the wiring last, cause I told him I do all my own work. So, why not just drop the bull**** insurance thing about this type of wiring. There's absolutely NO documented evidence about K&T wiring causing fires, there's absolutely NO documented evidence about K&T wiring being covered with insulation being any more dangerous than if not covered, AND there's absolutely NO documentation to substantiate your bull**** claim that insurance companies will not insure a house with K&T wiring. Why don't you just get off it? Did your mom whip you with K&T wiring, or what? What is your big ****ing deal anyway? s I beg to differ with you. There is not an insurance company doing business in Ontario Canada that will write new business on a house with 1) K&T wiring or 2) aluminum wiring without electrical inspection proving either compatible (coalr) devices or properly installed copper pigtails ANd very few that will write new business on houses with 1) Cast iron waste stack or 2) Galvanized water pipes. Or non UL listed wood burning stoves or fireplaces My daughter is assistant operations manager of a relatively large general insurance brokerage (agency) here in Kitchener/Waterloo and placing insurance on these types of properties is getting EXTREMELY difficult. So, what you're telling me is that a guy goes and buys a 80 yo house from the original family (never rewired) and he flat cannot buy insurance without a complete rewire??? Sounds like reason #459 not to live in canada if that's the case. Hell, the present Communist takeover of the US Government is going to put rules into place that will require you to upgrade a home to their satisfaction before you can sell it. I see many mysterious house fires happening to properties that can't be sold. TDD ANd not because of any regulation by a "communist" government. They can't be sold because the bankers and lending institutions are running scared. Afraid THEY might be regulated. Two many houses that are not worth the money owing on the mortgage doesn't help matters any. Banks tearing down whole subdivisions of unsold houses because it costs too much to keep them maintained to minimum required standards - with no prospect of being able to sell them for what is owing. Heck, I'll take a well regulated banking system any day!!!! |
#39
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Older house wiring puzzle
On Fri, 11 Sep 2009 20:32:26 -0500, Steve Barker
wrote: wrote: On Fri, 11 Sep 2009 11:11:28 -0700, David Nebenzahl wrote: On 9/11/2009 10:48 AM dpb spake thus: David Nebenzahl wrote: ... But yes, the previous poster's shrieks of alarm are unwarranted. Indeed... But, it's his personal vendetta it appears despite chastisement and demonstration that he's simply just generally wrong on numerous previous occasions as well... Plus he's one of the few posters here with the annoying habit of never quoting previous replies (small point, but not in his favor). I will say that I think exercising due caution when doing electrical work is important. I cringe when I see the numerous news reports of houses burning down, just wondering whether it was an electrical fire that was responsible. I don't *ever* want to be the cause of such a fire. But that doesn't mean one has to be a total Cassandra about it either ... My younger brother's old house (old crappy farm house) burned down due to an electrical fault. The house had a LOT of K&T wiring - but it wasn't K&T that caused the fire. The old "shack" had a sagging summer kitchen - and the ROMEX wire going from the main house to the addition had a "shear failure" due to movement between the 2 parts of the building. The wires rubbed through the insulation enough to cause heat without blowing the breaker/fuse. (Think it was the stove cable). Anyway, it got him a new house. WOW! you mean he actually was able to insure it?? HELLOOOOO Bob buddy, this guy got insurance on a K&T wired house!!!! HELLO??? The house burned down 15 years ago last week. Long before the insurance companies became "extremely risk adverse" |
#40
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Older house wiring puzzle
On Sep 11, 9:29�pm, Steve Barker wrote:
wrote: On Fri, 11 Sep 2009 13:27:52 -0500, Steve Barker wrote: bob haller wrote: On Sep 11, 12:34?am, Steve Barker wrote: bob haller wrote: does the clients homeowners insurance know they have K&T? The home really needs a complete rewire bringing up to current code once you muck with this a future fire can see you on the hook for damages and insurtance company can go after you......... K&T is very obsolete and what of attic insulation? as you said you cant imbed K&T in insulation and the roof is the largest loss of heat in a home...... you say client, are you doing repairs there? their insurance, like mine, probably couldn't care less. GUARANTEED they will if theres a fire. you having been the last to work on the wiring will be on the hook. are you insured? liability if theres a fire? are you a registered electrician? besides TODAY most insurance companies wouldnt take on new customers with K&T BULL****. �pure and simple bull****. �Bob buddy, we've been down this road before in this group about K&T wiring and your Bull**** theories about insurance. �I even ASKED my *new* insurance agent about this exact thing, and he said "we could care less". �He also told me they're not concerned as to who worked on the wiring last, cause I told him I do all my own work. �So, why not just drop the bull**** insurance thing about this type of wiring. �There's absolutely NO documented evidence about K&T wiring causing fires, there's absolutely NO documented evidence about K&T wiring being covered with insulation being any more dangerous than if not covered, AND there's absolutely NO documentation to substantiate your bull**** claim that insurance companies will not insure a house with K&T wiring. �Why don't you just get off it? �Did your mom whip you with K&T wiring, or what? �What is your big ****ing deal anyway? s I beg to differ with you. There is not an insurance company doing business in Ontario Canada that will write new business on a house with 1) K&T wiring or 2) aluminum wiring without electrical inspection proving either compatible (coalr) devices or properly installed copper pigtails ANd very few that will write new business on houses with 1) Cast iron �waste stack or �2) Galvanized water pipes. Or non UL listed wood burning stoves or fireplaces My daughter is assistant operations manager of a relatively large general insurance brokerage (agency) here in Kitchener/Waterloo and placing insurance on these types of properties is getting EXTREMELY difficult. So, what you're telling me is that a guy goes and buys a 80 yo house from the original family (never rewired) �and he flat cannot buy insurance without a complete rewire??? � Sounds like reason #459 not to live in canada if that's the case.- Hide quoted text - - Show quoted text - actually common in the US. just check with state farm, they will nt insure a new customer with K&T you cant sell a home if new owner cant get homeowners insurance |
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