Did anyone ever see the old 'All in the Family' episode when Archie puts a penny in the fuse box and it starts a fire? His Insurance company refused to pay because he did something wrong. Has anyone ever heard of this actually happening to a Homeowner? or anyone else?
I would imagine the electrical trade to be more scrutinized, or maybe some basic homeowner awareness programs. The problem of introducing anything of a preventive measure is in it's payback. That's how the insurance industry thinks. The percentage of meatheads would need to be a financial burden, a loosing proposition for this to happen. Maybe the number of homeless Archie's and Edith's denied their claims would have to overrun shelters ( picture Gloria wailing away here) and become somewhat notable in the public eye. Confronted with this, maybe more insurance inspections would take place ( and the obvious rate increase to do so). The trade is already seeing inspections from various sources, not all of which may be as savey as a bona-fide NEC inspector , but at least they can recognize a meathead fuse
PS, the last meathead fuses i saw were 2 pieces of copper pipe that had replaced 60A cartdige fuses...
#732 - 03/04/0110:33 PMRe: Do Insurance Companies always pay?
I would think that Premiums should fall because we're already paying for all the "Meatheads'" mistakes. (By the way, I think that Meathead knew better than to do what Archie did) I would think that there would be less DIY Electrical work or hiring of uncredentialed contractors, but past that there's probably some other repercussions I'm not thinking of, Right?
#733 - 03/04/0111:24 PMRe: Do Insurance Companies always pay?