What to compare
Older wiring is an underwriting fact that should be described precisely. “Knob-and-tube” should not be used as a catch-all for every old electrical system.
- Type, location, and estimated amount of active wiring
- Service amperage, panel manufacturer, breakers or fuses, grounding, and any known hazards
- Whether insulation surrounds wiring and whether an electrician has evaluated it
- Permits, scope, and completion status for replacement work
- Carrier eligibility, inspection, repair deadline, exclusion, or policy-form response in writing
Questions that need a written answer
| Question | What to verify |
|---|---|
| Is any old wiring still energized? | Use an electrician's documented findings rather than a visual guess. |
| Will partial replacement qualify? | Ask what the specific insurer requires and whether the remaining sections must be mapped. |
| Can coverage bind before work? | Confirm timing, evidence, inspections, and consequences if a deadline is missed. |
| Does a general home inspection answer it? | An insurer may require a licensed electrical evaluation or permits in addition. |
Records to keep with the quote
- Electrician's report and panel schedule
- Permits, invoices, and completion certificates
- Photos of service, panel, visible wiring, and completed work
- Insurer's written eligibility or repair conditions
Important boundary: Do not perform electrical investigation or repair beyond your qualifications. Use a qualified professional and follow local requirements.