It is very rare I run into an older home that the Seller's Disclosure checked off the house has Aluminum Wiring but it happens. Buyers who know nothing about Aluminum Wiring and Home Insurance should get the facts before buying. Regardless of age, I always recommend an approved Home Inspector.
Aluminum Wire Background Information
Many home builders in the 1960's to the late 1970's found a more cost effective (CHEAPER) way to wire than more expensive (COPPER) wire. Buyers beware. Cheaper may not be safer.
Problems with Aluminum Wiring
Over time (10, 20 years or more) a high resistance connection and/or arcing could develop within the electrical system that increases the probability of a house fire.
Experience is Our Teacher
Fact. The first home I bought was only four years when purchased. It was built in 1972. The house was charming and very affordable. But then tragedy struck in January 1994 on Martin Luther King's Day. I was at work. My son didn't have school that day but had my permission to leave the house while I was gone. What started out like a very normal winter morning in Northern, Illinois turned into one of the coldest days in history with windchill factors of 60 degrees below zero.
House FIRE
Because of the weather, surely I figured my son was home but he wasn't. It was late in the afternoon before 5:00 p.m. when he called to tell me that he was out and when he opened the front door a combustion of fire and smoke occurred and the house was on fire. He was able to get the dog out of the house, go next door to call the Fire Department, Gas Company, and Electric Company before calling me.
Fire Marshall and Insurance Company
After the investigation was completed, they confirmed it was an electrical fire caused by Aluminum Branch-Circuit Wiring and we were lucky to be alive. The wiring was burning inside the walls days before the combustion occurred and the fire could have happened while we were sleeping.
Warning Signs
I honestly did not know the warning signs. My husband passed away in the 1980s before the fire. I was raising the kids alone, working and going to school doing the best I could on limited income. Life insurance wasn't something we planned on when we were young.
Home Maintenance is Good but No Guarantee
On a yearly basis I called for a furnace check before winter. I didn't have air conditioning but heating was important. Calling the cheapest company to inspect doesn't guarantee you'll get the best technician. I had problems that didn't go away. Trust takes precedence over cost. I learned the hard way.
Precursors
- Light bulbs kept burning out
- The ceiling fans kicked in fast without warning
- Vacuum Cleaner Cord burned when plugged into the electric socket
- Hand blow dryer burned out when plugged into electric socket
- Limit Switch on Furnace wouldn't shut off
Alternatives & Inconvenience
Living outside the home is not fun. Waiting for the results from the investigators is not fun. Having to get a second job to still pay the bills (mortgage, insurance, transportation, child and daily living costs) and still go to school and work is not fun. Finding a place to live that will take pets and is still affordable before the insurance payments are issued is not fun. Not having winter clothes, shoes, or necessities is not fun.
Restorations and Safety
Restoration and safety should be on top of every homeowners list. Insurance deductibles are expensive but it is better than not having home insurance. Having to take out a loan to make ends meet while the insurance company settles is not fun. Having no choice but to eat out, pay for a hotel as long as it takes, and paying for what your insurance doesn't cover is not fun.
READ YOUR INSURNACE POLICIES OFTEN.
Insurance
Re-wiring a house is expensive and a disruptive undertaking when you're displaced. Luckily for me, the insurance company required an approved certified electrician. But wiring wasn't the only problem. I lost practically everything I owned. I kept records but they burned in the fire. Home Computers, Cell Phones, and other Smart Home Technology didn't exist. Relying on memory when you're under stress is mind boggling. Having adequate insurance and savings to cover unexpected cost is something to seriously think about when you are a home owner. Agreeing to pay a "Good Deed Doer" to fix things when the Insurance Company only asks for receipts for bills you pay after the work is done, when you're under the gun trying to get back inside your home is not the wisest thing to do.
Facts of Life
- Scammers have always existed
- Insurance Companies want their money
- Handyman Services want their money
- Bills have to be paid
- Water, food, shelter, and sleep is necessary
- Children depend on their parents
Aluminum Wiring Solutions
In Texas, COPALUM® is a proprietary system that involves crimping a copper wire to existing aluminum wire using a special crimp tool that exerts EXTREMELY high pressure on the joint called "cold welding." Get a reputable, certified Electrician's advice. Be prepared. It is expensive. Other solutions and questions you can ask your Electrician include:
- Pigtail Repair (not acceptable in some areas)
- Newer aluminum installed after 1972 after the original caused fires
- Compatible standard electrical outlets and light switches
- Older mounted ceiling fans/fixtures not rated for aluminum wire
- Warranties and Guarantees
A Word To the Wise
Home Inspections are not just for people buying houses. If you are a homeowner, it pays to have a reputable inspector for your own peace of mind and safety. Cheap is not always better. Every house needs to be evaluated on a case-by-case basis by reputable and credible Home Inspectors or Licensed Electricians or Plumbers. Always seek the advice of an expert in the field.
I would love to have some ActiveRain Home Inspectors like Scott Seaton Jr. Bourbonnais Kankakee IL Home Inspector comment.
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