No, that's just for incidental damage and probably legally mandated by your state. If your house burns down to due to DIY wiring, the insurance company won't pay out a dime (if the inspectors discover it).
Electricians have liability insurance provided by an organization specializing in policies for practicing tradesmen. If an insurance company fails to disqualify a homeowner's policy and pays out, it will then go after the electrician and his insurance to recoup their losses. Residential electrical fires are extremely preventable so insurance companies almost universally refuse to insure homes with DIY electrical work because the homeowner is the one liable.
This idea that DIY wiring can invalidate your insurance policy is widely repeated, but I don't think it's true.
Homeowner's insurance routinely covers preventable disasters. Did you leave a candle on or a heater plugged in and start a fire? Did you not cut down a tree that was looking unhealthy and it fell on your home? These are all situations where your insurance would pay a claim. The cases where they would not pay a claim are more along the lines of "deliberate arson".
You may well need to certify that work is permitted in order to get an insurance policy.
There is just no way this is correct. First, most municipalities in America anyway allow a homeowner to do their own electrical work. You are required to get a permit for the work though and then have it inspected by the city inspector to verify the work was done correctly. But second and maybe more importantly how would you ever be able to get insurance on an older house. There may have been dozens of different electricians and homeowners that did work over the years. Who would the insurance company go after if a problem occurred.
> First, most municipalities in America anyway allow a homeowner to do their own electrical work. You are required to get a permit for the work though and then have it inspected by the city inspector to verify the work was done correctly
They allow them to change sockets and light switches. Anything requiring a city inspector is literally the same thing as getting a licensed electrician. Municipalities have a lot more insurance than an electrician does, often unwritten by the same reinsurers as the electricians.
> But second and maybe more importantly how would you ever be able to get insurance on an older house. There may have been dozens of different electricians and homeowners that did work over the years. Who would the insurance company go after if a problem occurred.
The insurance company goes bankrupt and the state bails out the homeowner. That's why we have electrical contractor surety bonds.
I've read over my home-owners insurance policy very well. There are no provisions that say anything about "electrical work requiring a city permit shall be done by a licensed electrician".
Do you have any evidence to point to where someone changes a dishwasher or some other small electrical project, and later insurance denies a claim?
I can imagine scenarios of gross negligence (wires run all over exposed, gas leaks, etc. etc.), but if we are talking small mistakes by homeowner during a un-permitted DIY project, I have a very very hard time believing insurance is going to scour the rubble to investigate...like literally how to you prove that!?
I am curious about this as well. Is swapping out light switches and outlets something to be concerned about or is it the more major stuff like running wires, adding breakers, etc?
Hmmmm I'm not so sure. I'm in the UK not in the states, so the laws are different I'm sure, but in UK you only need a licenced electrician when adding/removing an electrical circuit and for any electrical work in the bathrooms. So say adding a new spur from your fuse box to add electricity to your garage or a garden shed - that sort of thing. Any work on existing circuits(adding sockets, light switches, new light mounts etc) is fair play and doesn't require a permission or any paperwork. Instead you just get an electrical inspection done and an electrician signs off on the house as a whole.
Like someone else said - when you buy a house you don't know how the electrical wiring was done and by whom. Paperwork is required only for the things I mentioned above - new circuits added after the house was built mostly. And even then someone would need to prove that it was done after construction.
So even if the insurance company wanted to deny a claim due to a DIY fitted socket....I think they would struggle, as there's absolutely nothing forbidding me from installing one, and most importantly - my contract with the insurance company doesn't forbid me from doing so.
Electricians have liability insurance provided by an organization specializing in policies for practicing tradesmen. If an insurance company fails to disqualify a homeowner's policy and pays out, it will then go after the electrician and his insurance to recoup their losses. Residential electrical fires are extremely preventable so insurance companies almost universally refuse to insure homes with DIY electrical work because the homeowner is the one liable.