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Does Homeowners Insurance Cover Faulty Wiring in Ohio?

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Get Compensation When Faulty Wiring Causes an Electrical Fire

Electrical fires seem to spring from nowhere. You may hear a sizzling sound, smell something burning, or see the lights flicker. Or you may not see anything, and there’s a fire.

Faulty wiring is a leading cause of electrical fires in Ohio. And house fires turn your life upside down, ruining walls and furniture, all your belongings, possibly burning down your home completely—or worst of all injuring you or your family members.

A typical homeowner’s insurance policy covers damage from electrical fires. You can get compensation to rebuild your house and your life. But there are obstacles to watch out for.

If you’ve suffered a fire caused by faulty wiring and your insurance company refuses to pay, you can get an experienced homeowner’s insurance claim attorney who knows their tricks and what they truly owe you.

At Horenstein, Nicholson & Blumenthal (HNB), we’ve been helping homeowners deal with stubborn insurance companies for more than 40 years. We know how important your home is to you and your peace of mind.

If you live in Cincinnati, Cleveland, Columbus, Dayton or anywhere in Ohio and faulty wiring damaged your home, count on us to help you through every step to get what’s fair.

That’s why our clients say, “Helping me, that’s HNB.”

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    Risks that Lead to a Faulty Wiring Homeowner’s Insurance Claim

    Wiring in a home may fail for many reasons:

    Aging Fixed Wiring: A common cause of electrical fires is defects in what’s called “fixed wiring,” or the wiring in your walls. If your home is old, the rubber insulation around your wall wiring may have broken down, exposing the conductive metal inside. It’s also possible your fixed wiring was improperly installed.

    Defective Appliances: The power cords to appliances, especially ones that are plugged in all the time, such as refrigerators, can sometimes fail.

    Knob and Tube Wiring: Also known as K&T wiring, this antiquated method dates to before 1930. Wires run through ceramic tubes in studs and joists, and they’re tied down to ceramic knobs. These systems often don’t have ground wires. Many homeowner’s insurance policies won’t cover knob and tube wiring or will charge a premium for it.

    Aluminum Wiring: In the mid-20th century, electricians installed aluminum wiring instead of copper wiring because the cost of copper had shot up. It’s generally safe, but it can be risky because aluminum heats up faster and hotter than copper. Some insurance companies may balk at covering it.

    Whether your homeowner’s insurance covers the damage in your situation may come down to the fine print in your policy and the details of your home inspection.

    At HNB Law, we know every case is unique. We’ll approach yours with our renowned personal attention and care.

    We’ve secured millions in awards, benefits and settlements for Ohioans—one case at a time. Give us a call today and we will assess your case for free.

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    How Do I Approach a Homeowner’s Insurance Claim for Electrical Damage?

    If you suffered a fire linked to faulty wiring, keep track of as much information as possible. Once the premises are safe, assess the damage.

    • Take note of any structural parts of the house the fire damaged, along with furniture, carpeting, fixtures, appliances or anything else.
    • Photos can produce powerful evidence for your claim.
    • Contact local authorities. A report from the fire marshal provides valuable details. Make note of your case number.
    • Get an inspection and estimate of the cost of repairs. If you make repairs, keep your receipts.
    • Track your living expenses if you move temporarily because your home isn’t inhabitable. 
    • File a claim with your insurance company—but get a lawyer to protect you from their delays, denials or low-ball offers.

    A standard homeowner’s insurance policy often covers repairs to a damaged home, replacing lost personal effects and sometimes the cost of living elsewhere while the repairs are underway.

    But there are cases when insurance companies resist paying. They may say a poor repair job led to the fire. Or they’ll argue the wiring in your house wasn’t brought up to code after an inspection. These and other scenarios lead to claim denials.

    If you have suffered a fire and your insurance company seems to be dragging its feet—or if you have filed a claim and they outright denied you, talk to the experienced homeowner’s insurance lawyers at HNB.

    We can guide you to get compensation to repair your home and put your life back on track.

    Call HNB Today  Call HNB Today