I’m trying to clarify whether USAA Homeowners insurance will cover AlumiConn mitigation for a house with aluminum wiring in Florida. Their website doesn’t provide any information on this, and the online quote tool doesn’t allow me to enter specific details about the wiring.
To be more specific: If I go ahead with the mitigation using AlumiConn, will my house be covered? I’m willing to pay for the mitigation. The house, built in 1967, currently has aluminum wiring, which an electrician has confirmed is not mitigated. As it stands, this has prevented me from getting insurance or a mortgage.
From what I’ve read, installing AlumiConn is a recommended solution, particularly as an alternative to a complete copper replacement.
While I can find a suitable policy through USAA’s online quote tool, I’m unsure whether the lack of a way to specify the wiring status means they will still cover the house after mitigation.
Is there a straightforward way to determine if USAA or any insurance company would accept mitigation like this for underwriting? Should I seek out confirmation about their stance on mitigation, or is it reasonable to assume they cover it?
It sounds like you’re in a challenging situation with your home insurance due to the aluminum wiring. When it comes to USAA and other insurance companies, coverage for homes with aluminum wiring can indeed be tricky, especially if mitigation hasn’t been done yet.
Since the online quote tool doesn’t allow you to input information regarding AlumiConn mitigation, it’s best not to assume that USAA or any other insurer will automatically accept this type of work. Here’s what you can do:
Contact USAA Directly: Reach out to a USAA representative via phone or chat. They should be able to provide specific answers regarding the impact of mitigating aluminum wiring with AlumiConn on your policy. Make sure to ask explicitly whether homes with this mitigation done would be eligible for coverage.
Ask About Underwriting Guidelines: During your conversation, inquire about their underwriting guidelines related to aluminum wiring and mitigation. It’s important to get a clear understanding of what is required to insure your home.
Document Everything: If you decide to go forward with the mitigation, ensure you have all the necessary documentation from the electrician who performs the AlumiConn installation. This could help prove to the insurer that you’ve taken the necessary steps to reduce risk.
Consider Other Insurers: If USAA does not provide a satisfactory answer or coverage, it may be worthwhile to check with other insurance providers. Some companies may be more familiar or accepting of AlumiConn as a mitigation method.
In summary, clarify with USAA directly regarding coverage and underwriting acceptance of AlumiConn, and don’t hesitate to explore other options if necessary. Good luck!