[markkanof]

There is just no way this is correct. First, most municipalities in America anyway allow a homeowner to do their own electrical work. You are required to get a permit for the work though and then have it inspected by the city inspector to verify the work was done correctly. But second and maybe more importantly how would you ever be able to get insurance on an older house. There may have been dozens of different electricians and homeowners that did work over the years. Who would the insurance company go after if a problem occurred.

[akiselev]

> First, most municipalities in America anyway allow a homeowner to do their own electrical work. You are required to get a permit for the work though and then have it inspected by the city inspector to verify the work was done correctly

They allow them to change sockets and light switches. Anything requiring a city inspector is literally the same thing as getting a licensed electrician. Municipalities have a lot more insurance than an electrician does, often unwritten by the same reinsurers as the electricians.

> But second and maybe more importantly how would you ever be able to get insurance on an older house. There may have been dozens of different electricians and homeowners that did work over the years. Who would the insurance company go after if a problem occurred.

The insurance company goes bankrupt and the state bails out the homeowner. That's why we have electrical contractor surety bonds.

[mox1]

I've read over my home-owners insurance policy very well. There are no provisions that say anything about "electrical work requiring a city permit shall be done by a licensed electrician".

Do you have any evidence to point to where someone changes a dishwasher or some other small electrical project, and later insurance denies a claim?

I can imagine scenarios of gross negligence (wires run all over exposed, gas leaks, etc. etc.), but if we are talking small mistakes by homeowner during a un-permitted DIY project, I have a very very hard time believing insurance is going to scour the rubble to investigate...like literally how to you prove that!?

[jjeaff]

Your regular homeowner's insurance policy covers diy everything. You've been talking to too many insurance salesman.