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Has anyone run into having to replace all or part of their Knob and Tube Wiring? This would be in homes
built prior to 1940.
I had some when I purchased my house and had to get it replaced before getting insurance. Luck for me a PO had started and gotten most of it replaced.
Another thing I was told at the time was if I was going to insulate the walls, I should be sure to replace because apparently Knob and Tube wiring needs to "breathe" . Hence the tube that goes thru the studs.
If your going to be opening the walls up then you might want to replace it and have the peace of mind.
The blog - Fixer Upper - speaks of having to replace the Knob and tube in their home and how they did it.
Im about to finish replacing all the nob and tube wiring in the farm house. besides appliances, well pump and out buildings there were only two circuits one for lights and one for plugs through out the entire house -- all fed by nob and tube. I have since placed each room on its own circuit and have all but one room completed. Ill finish the livingt room this weekend. It was well worth the hell of replacing - i feel i can sleep better at night knowing that this potential firehazard has been avoided.
Had I not replaced nob and tube discovered could have been a serious insurance problem for me as well.
Well i was informed that since i had opened up the ceiling in the kitchen (originally to find the source of a leak) and found old nob and tube wiring my choice was to (after fixing the leak) to just re-seal up the kitchen ignoring that I saw nob and tube - leave well enough alone - or replace it. ALthough I was not excited about replacing it I knew that was the best choice.
I talked to a bud of mine in the insurance industry and told him what I had found -- he said make sure that I replace it as since I had "discovered" it during other repairs -- had I just covered it up and there was an electrical fire as a result of the old nob and tube - my insurance company - knowing that I have been working on the house could in fact deny my coverage because I had not replaced a known hazzard.
That was all I needed to hear.
It has been a long process to get rid of it but Im only one room away from redoing all the wiring. It has held up all of my other efforts at the farm unfortunately but well worth the delay in the long run.
USAA only insures K&T for 30 days after policy start, after that they most likely will cancel your policy.
We are in the process of buying an old house built in 1902, and it has approx 30-50 percent of the house left on K&T. I had called USAA 2 months ago in anticipation of buying this house and told them upfront that it had K&T to see if they would insure.. never got a solid answer and it was kinda of a disappointment that I told them upfront to make sure they would insure that it had K&T and I didn't know about it till about 4 total hours later once I got through underwriting, and the underwriter told me 30 days or no go.
We had planned on taking a year to replace it ourselves, because i want it out ASAP. I finally talked the underwriter into insuring us with the understanding they can drop us at anytime and that we would work on removing it as soon as we could. It was a major struggle but USAA still impresses me with their service. Although the cost was a bit higher than some places, I think in the end it is worth it. 3000 total SQ FT (1790 liveable) cost me 680.00 annual with 187k worth of coverage.
I just hope we can in the end do all of this on our own.. I know it's a major project...
We purchased a house built around 1918, 2 story off grade. Knob and tube wiring. After the insurance agreed to insure the house based on the 4 point inspection we purchased it. 45 days later we get a letter from the insurance company with a refund check stating they would not continue to insure the house because of several reasons which one of them was the presence of cloth wiring. 3 of the reasons was cleared up and the insurance company agree to continue coverage if the cloth wiring was replaced within 90 days. We were aware of the knob and tube wiring and had plans of replacing it one room at a time during the rehab. Now we have 90 days. Most of the cloth insulating will fall off if the wire is moved or bent thus exposing the wire. After searching some of the wiring out last night I found that all of the outlets on the 2nd story have been rewired only leaving the lights on the original knob and tube. Changing the lights over will be fairly easy in the attic. The bottom floor will be the trick. We also found blown insulation in the attic with the knob and tube. From my readings this is a no no and I understand why. Now we feel like this is a high priority and has been moved up to number 1 on the “to do” list, which is a fairly long list at this time. I will put together some pics and post them on our progress and what we find alone the way.<?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" />
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