pauluk Wrote:
"Tom,
I hadn't thought about the insurance angle, but I certainly see your point. Was the fire in the case you mentioned directly attributed to the owner's unauthorize wiring?
Knowing the way insurance companies operate, I wouldn't be at all surprised if they tried to use a non-permit light fixture as a excuse not to pay, even if the fire were found to have started at the other end of the house by a faulty gas appliance."
Pauluk
The utmost good faith thing is two way. There are severe penalties for insurance companies that refuse lawful claims. The cause of the loss must be the electrical work in order for that to be the basis of the refusal of a claim. That having been said insurance companies are in business to serve their members if they are mutual insurers or to make a profit if they are stock companies. So if you spoon feed them a reason to refuse your claim do not be surprised if they take it.
--
Tom
