Hi, I hope it’s okay to post this question on here. I’ve found lots of helpful information while browsing the NACHI forums.
I’m a first time home buyer in N.E. Florida (Clay County). I’m buying a great mid-century modern house built in the early 60s. It’s beautifully refurbished, but it does have some cloth wire coverings. I understand this can make obtaining insurance a little more challenging and costly.
I’m wondering if anyone here (with either first-hand inspecting, insurance or home owning experience) could share whether you were able to secure a home owners insurance policy for a home with cloth wire coverings – especially in Florida. Could you share the name of the insurance provider?
I’ve already had the full house inspection and everything was fine – the inspector said all the wiring was in good condition, he just noted the cloth wire coverings as a potential watch-out for securing insurance.
I’m working with an insurance broker and we’ve got a 4-point inspection scheduled for later this week. But, he’s already warned me that my options on insurance providers will be very limited due to the cloth wiring plus the trademark mid-century modern low-slope roof, so I’m trying to shop around beyond whatever the broker is able to find. The roof is what it is. It was replaced a few years ago and in good condition, but it’s the nature of MCM design to have a near-flat roof. My bigger concern is about finding insurance providers that will accept cloth wiring. Here is how the full house inspection described the wiring:
120 VAC Branch Circuits: Copper
240 VAC Branch Circuits: Copper and aluminum
Conductor type: Romex, BX, Non-metallic sheathed cable, and Non-metallic wires with cloth wrapping
Cloth wrapped wires noted in good condition. Be aware, some insurance providers charge higher premiums or refuse to insure homes with cloth wrapped wires.