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10-23-2024, 11:16 AM | #9505 |
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The insurance company does not need to prove you did the work wrong on purpose. In fact, if it is discovered that you did any work yourself, and you are not licensed or insured to do such work, any claim you make will rightly be denied. (I am a lawyer for an insurance company.)
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10-23-2024, 11:55 AM | #9506 |
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Think that sorts out who can and can't wire up a ''full EV'' home charger, you have to pay a qualified electrician and get a certificate of conformity to show the insurance co. in case the worse happens.
Last edited by M5Rick; 10-23-2024 at 12:12 PM.. |
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10-23-2024, 01:57 PM | #9507 |
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I mean, you *can* and I know people who have, but if an investigator finds your DIY piggyback charger caused a fire, not only are you SoL, but you could be liable for any other damage it causes, like for instance it burns your neighbor’s property or causes damage to city utility lines. Not worth the risk, imo, but I'm not an actuary.
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10-23-2024, 02:32 PM | #9508 | |
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10-23-2024, 02:47 PM | #9510 | |
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But if it is obvious that the fire started at the charger and you installed it yourself, you will have an uphill battle convincing your insurance company that you did it properly (and it was not the proximate cause of the fire) despite having no training, skills, or experience in doing so. Knowing most insurance companies, they will dump all liability directly into your lap for any possible reason not to pay out. Last edited by Guvna; 10-23-2024 at 02:53 PM.. |
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10-23-2024, 02:50 PM | #9512 | |
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However none of those options are sensational anti EV fear mongering so he’s incapable of mentioning them. |
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10-23-2024, 04:45 PM | #9513 |
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Permits aren’t required here for doing EV charge installs but I’m having the electrician pull one anyways for piece of mind. I have kids, it’s not worth a fire risk because of something being done incorrectly.
It’s also not something I’d risk wiring myself….for the reasons above and for the insurance reasons stated. It’s common sense insurance won’t cover something you aren’t qualified or licensed to do….especially if it burns your house down.
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10-23-2024, 05:15 PM | #9514 | |
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10-23-2024, 10:27 PM | #9515 | |
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10-24-2024, 06:00 AM | #9517 | |
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10-24-2024, 01:30 PM | #9518 | |
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most of the building departments around here dont require a license if the homeowner is the one performing the work. And theres a good chunk that dont require permitting as the homeowner for something minor like an EV Charger install. That doesnt mean you can just install however you feel, you obviously should still install correctly.
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10-24-2024, 01:32 PM | #9519 | |
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my post didnt say anything about not doing the work right. in fact, it specifically says "if you cant wire it up properly yourself, you shouldnt be doing it."
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10-24-2024, 02:21 PM | #9520 | |
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which is the part I was responding to. You are free to do whatever you think you can, depending on how you interpret your state, local, or policy provisions. Lets just hope you aren’t wrong Edit: Since apparently this is a contentious issue (and you aren’t just being pedantic), let me illustrate the situation: a DIY homeowner installs a charger in their garage which the homeowner believes meets whatever code, but does not consult a licensed electrician or have it inspected by whatever state authority. A fire then starts at the point where the charger was installed by the homeowner and the policy issuer discovers the charger was installed by the homeowner and has not been verified in any way to be compliant. Are you seriously arguing that the policy issuer will ignore this and honor a claim for damages due to the fire? Last edited by Guvna; 10-24-2024 at 02:39 PM.. |
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10-24-2024, 02:51 PM | #9522 |
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I thought it is the opposite. Ppl buying EV because they want to cut down the cost. No need to pay for gas anymore. I may be wrong. I am ICE guy and I know nothing about EV
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10-24-2024, 03:19 PM | #9523 | |
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with the amount of resources, including the NEC books, available, there is no reason to not know the proper install. If the homeowner went with smaller wire because its cheaper, or a smaller and/or unprotected breaker due to cost, that would be purposely not installing properly and they could be on the hook for it. However, looking through my past policies, even if bad wiring was the cause, ensuing losses would be covered. So house burns down because of bad wiring. The fire is a covered loss. Since you are adamant it isnt covered and you are an insurance lawyer, what percent of cases have you seen where they didnt cover a claim due to DIY work?
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10-24-2024, 03:57 PM | #9524 |
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Some people are permit pushers and dont understand that the jobs which "licensed electricians" and "inspectors" do are not hard to do competently as a home owner.
Main reason to hire a contractor/electrician/plumber is to save time and not have to deal with the hazardous aspects in various areas. That said, a good level 2 fast charger install is cheap if you find someone who does them a lot. No reason to DIY when the whole job including the charger can be had for around $1200. ($400-500 for install)
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10-24-2024, 05:16 PM | #9525 | |
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Anyhow. My point was going to be that if you have to pay 3k to 5k to upgrade your home for EV. That's a lot of gas
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10-24-2024, 07:21 PM | #9526 | |
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I have an EV because I love it. Even if it cost me MORE to charge it than it would to put gas I would still own it. |
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