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Old 06-27-2010, 06:24 PM   #1
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Old Electrical Box Insurance Question

Just thought I would throw this out there and see if anyone knows-

My electrical box is not up to code and it is sitting on an old, termite damaged cabinet that used to house our water heater. After a storm a large branch fell and pulled away the wires leading to our house with such force that the cabinet was pulled about 8 inches away from the house. After the power company repaired it we still had the issue of the the box/meter being attached to a structure that is not going to remain stable for very long, and it is far too old and termite damaged to actually fix without moving the box first.

I already know I cannot move it myself without incurring a fine from the electrical company. I have to use an electrician, and he wants to put a new box in because our current one isn't up to code.

My question is about the insurance adjuster that is supposed to come to my house. What can I expect? Is there any chance that it will be covered? Our insurance agent told me it would not be because it was our responsibility to get the box up to code, but my dad said to get an adjuster out anyway to take a look. Any help?
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Old 06-27-2010, 06:34 PM   #2
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I don't know if it would matter but do you have replacement cost insurance?
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Old 06-27-2010, 11:33 PM   #3
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Are you sure you are not allowed to install new wood framing around the meter box and electrical panel without relocating them?

For example install a sheet of plywood on the rotted wall behind the panel, etc. (Support the panel using rope temporarily until the panel can be attached to the plywood.).
Stick to your lawn watering schedule until it really starts to pour. After the storm you have only the same number of rest days you always had and then you need to start watering again.
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Old 06-29-2010, 12:56 PM   #4
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We just got the renewal on our homeowners insurance. There is now a rider that says they will NOT pay to bring things up to current code unless we pay extra premiums.

You might want to check your policy...
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Old 06-29-2010, 01:58 PM   #5
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Do you have 'replacement' insurance?
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