Will I be able to get homeowners Insurance with aluminum wiring?

 

The problem with aluminum wiring is not actualy the wire, it's the connections. The problem came about because the electrical devices such as receptacles, switches and breakers were compatible with copper but not compatible with aluminum. Unfortunately at that time there was a shortage of copper and some genius decided that aluminum would work so here we are today. 

There are several things that can be done in order to migigate aluminum wiring:

1) Obviously replace it.
2) Replace the devices, ie: receptacles, switches and breakers that the aluminum is connecting to with a device that is compatible with aluminum.
3) Install a transition device that connects to the end of the aluminum wiring and transitions it to copper. There are currently 2 of these devices on the market, one is called a Copalum connector and the other are called an Alumaconn connector.

 Here you can find a good article from the US Consumer Product Safety Commission.

This work should be done by a licensed electrician because you will need a letter from the electrician stating that the aluminum wiring has been mitigated by whatever method was used. This letter will need to go to your insurance company to prove the work was done properly and that the home is now safe.

So.. Back to the question, can you get insurance with aluminum wiring, the answer is yes if it has been mitigated however i would not expect to be able to get the best rates if the aluminum is not removed.

Integrity Home Inspection takes no liability for the information provided. This information is being provided as is, without any warrantees or guarantees. Please verify this with your insurance company or associated contractor prior to proceeding.

Information is current as of 2/2/2020