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If the knob and tube is not live you should be okay but at minimum you are looking at a complete rewire of the house if knob and tube is in use. On top of that it is a major fire hazard. I literally just went through this with my house rewire estimate was $17,000.
Purchased a home back in august of 2021. Got travelers home owners insurance. During the inspection the inspector noted some knob and tube wiring going up to a light socket in the attic. The light was not in use and inspector advised the visible wiring was in decent shape but should be removed.
Insurance companies in more recent years might send out insurance people once they set up an appointment with you to take interior pictures of various rooms as well as panel boxes/fuses/knob & tube, furnace, hot water heaters, and a-c.
The seller told us all knob and tube is gone so I had the inspector come back out to take a look at the home. He said visible knob and tube is gone except there is a portion of the kitchen where all outlets in the area are ungrounded. He also said that second floor was not replaced, HE THINKS.
Or maybe you weren’t and had a costly repair to get insurance? (Wondering the range of how much this can cost) Any info helps. Some people are warning us not to buy a home with knob and tube because it’s not easily insurable and some companies may not insure.
Sounds like your question has more to do with getting insurance and not with how hard/costly it will be to remove the knob and tube. Our house is older than the one you are looking at. . .either 1900 or 1870 depending on which records you look at and who you ask.
I think the problem with insurance and knob & tube depends on where you are. In my area the majority of houses are more than 60 years old and a good deal still have active knob and tube, but in other areas where the housing stock is mostly newer, an old house with the stuff might be treated very differently by insurance companies.
If knob and tube electrical wiring causes a minor home fire, how much of the home's rewiring will homeowners insurance cover? I'd like the adjuster to cover whole house rewiring for safety's sake, but not sure whether the insurance company will pick up the bill for that or not. Anyone had experience dealing with this type claim?
Knob and tube wiring was often installed very well, especially compared to the types of wiring that immediately followed it--first generation romex/NM cable, etc. However, it's definitely not at all better than modern wiring. First, it's not grounded...and modern insulation is rated to much higher temperatures than 100+ year old insulation ...
Hey guys, I recently bought a house in Everett and it has a bunch of knob and tube wiring still. My home insurance requires it to be replaced within 30 days which I didn’t think would be a problem.