On Mon, 26 Apr 2004 02:04:07 +0000, Dominic wrote:

Aside from the obvious danger to his family, my friend's big worry was
what if an insurance adjuster came by after a (God forbid) fire damaged
the building, would he be SOL because he plugged in something that
wasn't UL safety approved? I'm not sure how that works exactly in
insurance matters but I know UL means something to the insurance
companies. Well maybe he would have been covered maybe not.... snip

As a commercial insurance broker with over 25 years experience, the use of
a non-UL approved device is not a basis in and of itself for denying
coverage after a fire. Many non-UL electrical devices are routinely used
everyday by people.

Remember that ignorance and carelessness (or even downright stupidity) are
not exclusions under any fire policy I've ever seen. (No state insurance
department would even approve for use a policy with such an exclusion.)

That said, no one wants to knowingly continue a dangerous situation that
could cause a fire. No insurance policy will ever respond adequately to
severe injury or loss of life to someone in your family. It is good your
friend is having an electrician check out the house wiring.

There are certainly issues than can cause a fire insurance carrier to deny
coverage, but for homeowners these usually involves issues of fraud, arson
or material misrepresentation. (The latter is when you intentionally lied
to get a policy that would otherwise have been declined.)

So, I'd quit worrying about the insurance and just have the place checked.



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