Generator Installation and Home Insurance: What You Need to Know

Electrical Safety in Insurance Coverage

Your home’s electrical system is one of its most important yet one of the most potentially dangerous components. Outdated wiring, overloaded circuits, or unpermitted work can create grave fire hazards – and insurance companies know this better than anyone.

That’s why many insurance policies include fine print about maintaining your electrical system in “safe and functional condition.” Translation? If your insurer finds that a preventable electrical issue caused the damage, then they might deny your claim.

Regular inspections, timely electrical repair, and hiring a licensed electrician for upgrades or installations all prove to the insurer that you’re being proactive, not negligent. Just remember to keep everything documented and backed up!

Where Generators Fit into the Equation

A generator installation is a big deal for any home. Done correctly, it keeps lights, heat, refrigeration, and security systems running when the grid goes down. Done poorly, it’s a ticking time bomb.

For instance, incorrectly-installed generators can “backfeed” electricity into the main power lines. This endangers utility workers and can destroy sensitive appliances. Moreover, faulty wiring or undersized cables can overheat and cause fires.

These are exactly the kinds of issues that insurance companies fear most. So if you ever have to file a claim after an electrical fire or power surge, one of the first questions your insurance adjuster will ask might be: “Who installed the generator?”.

Answers like “My buddy helped me” or “I watched a YouTube tutorial” could raise red flags.

Documentation Is Your True Insurance

When it comes to insurance, documentation is everything. Keep records of any electrical repair or installation work you’ve had done. This is especially important for major upgrades like generators, circuit panel replacements, or rewiring.

This isn’t just for when things go wrong. Proper documentation helps your insurer assess your home’s risk level, and it can actually work in your favor. Homes with modern electrical systems and professionally-installed generators are considered lower risk, and this can mean lower premiums.

Additionally, most residential areas require electrical permits for permanent generator setups. Having a signed inspection report from your local authority keeps you compliant with code and shows your insurance company that everything was done by the book.

Things to Do Before Installing a Generator

If you’re considering a professional generator installation, then treat it like the major home upgrade it is. Here’s a quick checklist to protect both your property and your insurance coverage:

• Consult your insurer. Ask if they have requirements, recommendations, or promotions for generator installations in Holly Springs. Some may specify approved models or connection methods.
• Hire a certified pro. Always work with an insured and licensed electrician for the generator installation.
• Pull the proper permits. Don’t skip inspections; these are proof of compliance and quality.
• Schedule routine maintenance. A generator that’s never tested or serviced can fail when you need it most.
• Keep every receipt and report. Store these with your home insurance documents for future reference.

If you’re looking for local uniformed professionals, then consider Mr. Electric. When you work with a certified electrician at Mr. Electric, you’ll have a partner with your interests in mind. In fact, we back our workmanship with a 1-year guarantee so you can rest assured.

Call or message Mr. Electric at any time of the day – or night – to speak with a member of our team. We’re happy to schedule an appointment or arrange urgent assistance.