To cite one possible example that involves electrical the remediation of aluminum wiring with copper nuts. We strongly encourage you to have any work of this nature done by a knowledgeable and licensed electrician who is up on the code requirements. To begin, the building inspector from the city of Albany, New York should conduct a before and after inspection to make sure everything meets the code.

If, however, your knowledgeable friend offers to help with the work, and he uses copper nuts that are not approved, you’re leaving yourself open for problems if you ever have an insurance claim based on fire, or some type of related electrical damage because the work was not in compliance and you don’t have a valid certificate of completion.

Briefly, this is how it works with your homeowners insurance:

· Your ability to claim losses is subject to the limits, terms and conditions of your individual policy contract along with your Albany, New York city, and/or county code requirements.

The same holds true for any type of non-branded electrical component. The component should be in condition, branded and able to perform under normal use. There is no wiggle room under these circumstances, and shortcuts can frequently cause future problems.

As an independent agent, we can help you, and provide guidance under circumstances such as the one you’ve described. It’s important that you give us a call so that we can put you in touch with our independent agent in Schenectady or Saratoga Springs who can provide details for your individual circumstances regarding what is, or is not covered. And frankly, it’s also important for you to have peace of mind with the correct detailed information that will help you make the right repair decisions.