Now there are instances this would not be wise. 6 awg copper wire is rated for 55 amps, but because there is no breakers made at 55 amps, code will allow you to increase to the next size, which would be 60 amps. In the USA, if the NEC is what is acceptable, you can legally put a 6 Awg under a 60 amp breaker. The only way I understand a claim does not get paid is if the cause is not a covered peril." Homeowner performed defective work leading to a damage claim is likely to lead to policy cancellation, but is not likely to lead to failure to pay the claim. Improperly performed work may lead to subrogation by the insurance company against the organization that performed the work, but will not affect claim payment. My conclusion from years of personal experience is that lack of a permit is not likely to affect ability to collect an insurance claim. If someone on this forum has specific knowledge to the contrary, I would be interested to hear it, as I have been involved in numerous claims where it is clear that some or all of the work causing the damage was performed by either the present homeowner, or a former homeowner, and I have never heard of the insurance company subrogating against a homeowner. They can, and almost certainly will, cancel the policy in that case, however so far as I know they are obligated to pay the claim. If the homeowner did the work, I believe the insurance company has no recourse, because the homeowner is the insured party. In my experience, if the insurance company determines that the cause of the damage was for example improperly performed, unpermitted work, they may subrogate (go after) the company or individual who performed the work, after they pay the claim. I have also never participated in a case where the insurance company refused to pay a claim because they discovered that the cause came from unpermitted work, or defective work. I am not saying such a policy does not exist, I am saying I have never seen one. "I have never seen a policy that excludes coverage because the cause of the damage arose from faulty workmanship, work done without a permit, or improperly performed work by a homeowner. The three quotes just mentioning an electric vehicle charger ranged from $525 - $800 which is far closer to what this job should actually be.Īnyway just a tip for anyone else looking to have their wall connector installed. The quotes that I mentioned Tesla in ranged from $1400 - $1800 which is absolutely absurd for the amount of work being done. Explained the breaker panel was in my unfinished basement, that it had plenty of extra amperage and open spaces and didn't need to be upgraded, etc." But in 3 quotes I said I wanted to install an "Electric vehicle charger" and in 3 quotes directly specified I wanted a "Tesla wall connector" installed. I mentioned I already had the charging hardware I needed to be installed. "Install a 60 amp breaker and associated wiring over a 15 foot run and through 1 wall. I asked every electrician for the same actual work to be done. I didn't think much of it but at first but then I started to notice massive differences in quotes between electricians depending on how I worded my email. I'm currently shopping around for an electrician to install a Tesla wall connector before my Model 3 arrives.
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