Whenever we go away, Mrs insists on me turning on tracking on our family 360 app. OK, after the great “falling asleep on the train back from London” debacle (I blame a dodgy pint) I accede to her wishes. Rest of the time I turn it off. Just took Jnr over to Chester for dance at The Hammond. We were a little late leaving. Didn’t occur to me that although my tracker is off, Jnr’s is always (and locked) on.
Some years ago, I went into a specialist whisky shop and asked for a 50 year old malt, the emphasis being on 50 due to it being their golden anniversary.
£720 he said.
Give me a bottle that costs £50 I said.
I got confirmation today that this technically voids my home owner’s insurance policy. I have had 2 inspections performed on the house, the one I did prior to buying it and a second one about 18 months ago prior to moving to this new insurance company, and neither identified the issue. I did my due diligence, I paid for the required inspections, I hid nothing and yet still find myself in a situation where my insurance company can now walk away or simply refuse to pay out over any electrical damage.
It is possible that at some point between when I bought the house in 2010 to now the prevailing wisdom on it changed, but it’s strange to have lived here for 13 years, had no issues and all of a sudden be told I’ve got to pay $10k to fix something that is all of a sudden considered problematic and that two inspectors failed to raise concern about
@Limiescouse sorry to hear about the house stuff. Pain in the neck, and expensive too.
One way to perhaps mentally adjust to the situation is to see your house as a patient that needs medical care. Get it the medical care it needs, then when you get an $8500 bill, it won’t seem so bad?
This top tip was brought to you by another expat living in a strange land.
That was my first thought with my first electrician, but I’ve had the same assessment from a second one and I discussed it off the record with my insurance broker and she immediately said it was a problem and is currently trying to reach the inspector (the contracted them and I paid) who failed to report it in my inspection to understand the scope of what they looked at
Maybe price up all the equipment needed for running the cables yourself… then get an electrician to do the connections and give you the ticket for insurance purposes…
Remember this solid tip when getting any electrical work done at home… Never trust an electrician to do the work who hasn’t got any eyebrows…! :0)
when we bought our house, and started renovating the basement (house is slab-on-grade so I we’ll just call it the bottom floor) we found that at some point in the past there were rodents. when we started opening up the walls, we found more evidence and this all resulted in having to completely gut the bottom floor of the house to rid ourselves of the results of said rodents. urine-soaked insulation, chewed wires, etc.
Since we had the walls all open, we said fuckit and completely re-wired the bottom floor and re-routed most of the top floor to different circuits to even our the loads on said circuits. and since we had everything open, we removed ALL of the 1960’s plumbing and replaced it with a modern system, zoned off into individual sections of the house so we could shut off one bathroom for renovations whilst the rest of the house could be used.
cost us money we didn’t have at the time, but the peace-of-mind (and lower insurance rates with the modern retrofits!!!) are worth it. we have an aluminum roof, all new insulation and drywall and fixtures and plumbing and wiring in a 50yo home.
but if I were you, I’d take a class on how to replace the electrical fixtures myself (properly!) or find someone I know who does and don’t tell the insurance company about the changes. as far as you know, it was all covered by the inspection report…don’t open that can of worms.