Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
If you own the house that is described in a homeowner’s policy there is coverage for the house located on the property, which includes additions and built-in parts and fixtures. There is also coverage for related private structures that are also on the described property which are not attached to the residence.
When there is an occurrence that isn’t expected or intended by the owner to the property there is coverage. This coverage means physical injury to tangible property and this includes the loss of use. Electrical wiring and fixtures are components of a residence and may be present in private structures located on the premises such as a pool shed or detached garage.
When electrical work is required because of damage to the structure the electrical work becomes a covered expense. Policies differ as to which perils are covered. The most comprehensive form is called “all risk.” In this form any damage to the residence is covered “except.” The list isn’t long; however, flood and earthquake are at the top of the list.
Electrical work poses another problem in that after damage has been sustained the repair work might fall under restrictions, codes, ordinances and law that were not in effect at the time of the original construction. The insurance company does not pay for the increased cost which results from the enforcement of these laws and codes. Some companies do not apply this to glass. Most companies offer a provision to cover these costs at an additional premium.
The policy makes it clear that the company does not pay for damage that is the result of the neglect or the insured. It also does not pay for damage that is the result of power disruption. This means that if your loss is the result of the utility company failing to supply power, the resulting damage isn’t covered. This is assuming that the actual damage is not on the covered premises.
The insurance company does not pay for wear and tear. There are many ways to describe this damage that is sustained because the house was not maintained. Some of the issues that arise are deterioration, mechanical breakdown, rust, wet or dry rot, corrosion, mold, contamination or smog.
The insurance company does not pay for electrical work that is the result of an act committed by or at the direction of the insured.
In summary, if the electrical work required is the result of a fire or lightening, windstorm or hail, explosion, riot, aircraft, vehicles, sudden accidental damage by smoke, vandalism, theft, falling objects, weight of ice, snow or sleet, collapse of a building, sudden tearing apart, accidental discharge or overflow of liquids or steam from plumbing, heating or air-conditioning systems, or freezing, the policy will pay for repair of electrical components of the residence and other structures on the premises.
If the electrical system needs repair as the result of other factors such as wear and tear, there isn’t any coverage. The homeowner’s policy is designed to cover you when the unexpected occurs.
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When there is an occurrence that isn’t expected or intended by the owner to the property there is coverage. This coverage means physical injury to tangible property and this includes the loss of use. Electrical wiring and fixtures are components of a residence and may be present in private structures located on the premises such as a pool shed or detached garage.
When electrical work is required because of damage to the structure the electrical work becomes a covered expense. Policies differ as to which perils are covered. The most comprehensive form is called “all risk.” In this form any damage to the residence is covered “except.” The list isn’t long; however, flood and earthquake are at the top of the list.
Electrical work poses another problem in that after damage has been sustained the repair work might fall under restrictions, codes, ordinances and law that were not in effect at the time of the original construction. The insurance company does not pay for the increased cost which results from the enforcement of these laws and codes. Some companies do not apply this to glass. Most companies offer a provision to cover these costs at an additional premium.
The policy makes it clear that the company does not pay for damage that is the result of the neglect or the insured. It also does not pay for damage that is the result of power disruption. This means that if your loss is the result of the utility company failing to supply power, the resulting damage isn’t covered. This is assuming that the actual damage is not on the covered premises.
The insurance company does not pay for wear and tear. There are many ways to describe this damage that is sustained because the house was not maintained. Some of the issues that arise are deterioration, mechanical breakdown, rust, wet or dry rot, corrosion, mold, contamination or smog.
The insurance company does not pay for electrical work that is the result of an act committed by or at the direction of the insured.
In summary, if the electrical work required is the result of a fire or lightening, windstorm or hail, explosion, riot, aircraft, vehicles, sudden accidental damage by smoke, vandalism, theft, falling objects, weight of ice, snow or sleet, collapse of a building, sudden tearing apart, accidental discharge or overflow of liquids or steam from plumbing, heating or air-conditioning systems, or freezing, the policy will pay for repair of electrical components of the residence and other structures on the premises.
If the electrical system needs repair as the result of other factors such as wear and tear, there isn’t any coverage. The homeowner’s policy is designed to cover you when the unexpected occurs.