Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 26, 2019

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Insurance Question from Oakbrook Terrace, IL

Asked on 06/26/2019

Does home electrical wire have a depreciation on it when it has to be replaced due to water damage. These are old BX wires that must be replaced due to municipal code when the wall is exposed. I took in water down some walls that have old BX outlets. Just want to know if the insurance company will throw a depreciation on getting the outlets fully replaced.

Answer given on June 26, 2019

If the water damage is a covered loss by the homeowner insurance policy, the policy usually includes additional insurance coverage for “code upgrades”. In this case, if the wiring is no longer allowed to be used, then the insurance company should pay to replace the wiring as required by code.  If the entire house needs to be rewired you may have to pay for a part of it, or not.

Talk to the insurance adjuster about the upgrade requirement, as well as talking to your insurance agent, to see if you have this upgrade coverage and if there is a dollar limit, or percentage of the home insurance limit. Of course,  your deductible will apply on all of the above. You should also review your homeowner insurance policy to see if there is coverage. Don’t simply rely on the agent or the adjuster to tell you, as they may not be up to date on the policy.


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