Insurance requirements for K&T removal?

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dadjokes1961

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Location
Seattle, WA
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Night Soilman
Good morning,
We have a 1900-era home with considerable K&T wiring remaining. When we bought the house in 2009, we insured with Farmers because they were the only insurer we contacted who would insure our house with K&T wiring. Today our rates are skyrocketing, and I want to revisit the K&T issue and shop around for insurance. We have access that will allow us to replace much of the K&T wiring, including all convenience outlet circuits. However, we will still have that one huge original circuit that services built-in lighting (chandeliers, sconces) on our main floor. Replacing that wiring would require demolishing lath & plaster walls and ceilings--we don't want to do that.

Are insurers primarily concerned with the convenience outlets and their circuits, or are we going to have to dig out and replace every last inch of the K&T to get a break on insurance?

Thanks,
-Mark
 
dadjokes1961 said:
Good morning,
We have a 1900-era home with considerable K&T wiring remaining. When we bought the house in 2009, we insured with Farmers because they were the only insurer we contacted who would insure our house with K&T wiring. Today our rates are skyrocketing, and I want to revisit the K&T issue and shop around for insurance. We have access that will allow us to replace much of the K&T wiring, including all convenience outlet circuits. However, we will still have that one huge original circuit that services built-in lighting (chandeliers, sconces) on our main floor. Replacing that wiring would require demolishing lath & plaster walls and ceilings--we don't want to do that.

Are insurers primarily concerned with the convenience outlets and their circuits, or are we going to have to dig out and replace every last inch of the K&T to get a break on insurance?

Thanks,
-Mark
Click to expand...

I am rewiring as a owner-DIY project, with Seattle permit and inspection.
 
We can not answer DIY questions, as we don’t know what else you are not asking. Just an FYI, the State of Seattle is on point for code enforcement.
 
Instead of tearing into plaster, can you add false beams to hide wiring?

Or remove and replace upper level floors?

But yes, you have to change it all, or lie

And I wouldn't lie to insurance company
 
Since the OP has stated this is a DIY project, I am closing this thread, in accordance with the Forum Rules.

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