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Llamatron 08-14-2012 08:44 PM

Service Amperage
Hello everyone. I'm new to this message board and could use some help so I can argue with my insurance company maybe. I live in Ohio, and my insurance company is dropping me because they claim I only have 60 amp service in my house and they require 100 amp. I'm not sure how they determined this. Here is what my electrical setup looks like. I can provide pictures once I'm not using my phone.

-Main circuit breaker is 100 amp.
-Breaker box is Siemens 100 amp box.
-Wires connecting to the main breaker are labeled as #3 AWG (Cu). These run from the breaker out to the meter and up the mast.
-Meter is a square backed CL200 meter.
-Not sure what size cables are coming from the pole to the mast, but they are smaller that what is coming out of the mast. Consists of two insulated wires and one bare.

So is this 60 or 100 amp? It seems very similar to post 10 on this thread:

Thanks for all your help!


joecaption 08-14-2012 08:49 PM

Why not call them and ask them why?
Is it possible the electric was up graded since there inspecton when the policy was new?
They could just be going on there old records.

Just a guess.

k_buz 08-14-2012 08:49 PM

You are correct. You appear to have a 100A service. You may need to call an electrician to document it for your insurance company.

How did they come to this conclusion? Did you at one time upgrade from an old 60A service to the new 100A? Did they do some sort of walk thru recently?

kevinp22 08-14-2012 08:51 PM

Everything in your setup is rated for 100 amps or more so i dont see how they can say its 60 amps.

around here the wires on the POCO side of the connection at the top of the mast doesnt affect what your serice size is (my service is 200amp. my cables are 4/0 aluminum. POCO wires are only 2 AWG aluminum)

Llamatron 08-14-2012 08:59 PM

Thanks for the help! I have no clue why they think I have 60 amp.

Essentially we found out Progressive had a typo in our policy so they were sending the bill to the right address, but insuring a non-existent address because they transposed some numbers. This lead to them having to cancel our policy and re-issue it which triggered a home inspection. The guy pretty much just took pictures of the breaker box (which they kept telling us we should have a fuse box for some reason and didn't believe us when I said we didn't) and the meter outside.

The inspection was such a sham. They also claim our garage's roof is damaged because an overhang for the man-door has cracked paint. This overhang is in no way part of the roof.

Ok. Done ranting. I'll have to find an electrician to help me document this.

kevinp22 08-14-2012 09:03 PM

i think the ins company doesnt want you for some reason.

finding a new insurer might be easier than proving anything to progressive. they might come up with another reason not to issue the policy

ddawg16 08-15-2012 12:30 AM

The first clue? Progressive......

The comercials are better than the actual service...

They keep rates low by only insuring people who are not a risk.....

kevinp22 08-15-2012 07:00 AM


Originally Posted by ddawg16 (Post 989087)
The first clue? Progressive......

The comercials are better than the actual service...

They keep rates low by only insuring people who are not a risk.....

call her. she seems reasonable. if not call the lizard.

danpik 08-15-2012 07:07 AM

I Would agree that based on the info you provided that you have a 100 amp service. BUT, There could be a 60 amp disconnect outside by the meter. Verify that first. You can call your power company to get a confirmation on the service rating as well.

Also as others have said, Progressive is not the best ins co out there. Personaly I have my homeowners thru a small local independent company. I can walk right into their office and talk to the owner any day of the week. His kids go to the same school as mine and I see him at church on sundays. Cant get much better service than from these guys.

Llamatron 08-15-2012 07:26 AM

I have not seen any disconnect between the circuit box and the meter. They are on opposite sides of the wall from each other.

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