Hey everyone. I couldn’t find a recent thread regarding my question…
So I have always been told by local insurance companies that the insulated NM wiring with braided cloth sheathing is considered “cloth” by them on the Citizen’s 4 Point form. Never really had an issue with my clients getting insurance with “cloth” checked on the form and pictures of the actual wiring included in the report and labeled “NM wiring with braided cloth sheathing” until recently. I’ve gotten 3 calls in the past week saying that insurance is denying them coverage.
Does anyone have a definitive answer as to what the insurance companies consider “cloth” wiring on the Citizen’s 4-Point form? Are they starting to crack down on this type of wiring lately?
I’ve attached a picture of some of the wiring in question, which I list as: Insulated NM wiring (braided cloth sheathing) in my full inspection report.