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: Mar 22, 2015

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Insurance Question from Elkton, VA

Asked on 03/22/2015

Can I get replacement value insurance in Virginia for a home with Knob and Tube wiing I am attempting to sell a home currently insured by USAA. The home has knob and tube wiring for some outlets and fixtures (no major appliances)

Answer given on March 22, 2015

In a homeowner insurance policy, each insurance company has its own set of rules and regulations on what they will or will not insure.Older homes with outdated wiring can pose a greater exposure to fire danger amd resulting damage, so many insurance companies are not willing to insure such a home. If there is only a small percentage of the wiring that is out of date, such as your knob and tube wiring, the insurance company may be willing to write the insurance. However, they may require the wiring be updated within a certain time frame, or may require a higher deductible until the work is completed, or both.Talk to the insurance agent or company and see what they will require. Do not try to hide the wiring issue. If they ask about it, be truthful, otherwise you could end up with a claim that is declined due to your failure to disclose the information.


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