Q: Some electrical wires are repaired/replaced without a city from the city hall. Can insurance refuse to pay in a fire?
I am about the buy a house. The original owner passed away and his son is selling it. The house is old and city hall does not even have any floor plan. Nor does the city have any record of any repair of the house. I found some electrical wires and water pipes are repaired/replaced without a permit from the city hall. If I buy the house and buy insurance. Can insurance refuse to pay in a fire simple because some of the electric wires are new?
A: A California attorney could advise best, but your question remains open for two weeks. Until you're able to consult with a California attorney for specific guidance under applicable state laws, as a general matter nationwide, insurance carriers don't usually care if wires or pipe sections are new. They understand that maintenance or upgrades are sometimes performed. What they are concerned with, and what an insurance company investigator will focus on, is whether the work is compliant with codes and whether it was done by a licensed electrician or plumber, where necessary. That's a generality that usually applies nationwide. A local attorney could give you the best guidance. Good luck
A: Addendum: And necessary permits obtained, where necessary. Good luck
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