I have no clue where to dump this, but since you all are nerds this could be useful here. Edit: I DO NOT work for State Farm; but please delete if you think this is a shill post. I don't know how which insurance carriers this could apply to.
I've learned that homeowners insurance underwriting for some carriers in California punish a home with higher premiums for being 30+ years old. But this can be offset if the homeowner has upgraded their circuit breaker box (load center) and HVAC. Since a lot of people in this sub have actually done both, it's worth looking into to see if you can get a premium reduction.
I'm with State Farm, and they have two potential avenues. One is a "complete update" and another for a "partial update" This is kind of confusing (but not as confusing as a NEM2-PS black and white bill). What I understand is:
For the "complete update", this has the most savings... and can kick in once a house hits 30 years old. this requires you to re-do everything. Basically a complete gut-job and remodel. To get the discount, your contractor has to attest the work was done. This includes all your plumbing/vents AND all interior wiring. So it's probably really tough to get this unless PG&E burns your house down (I couldn't resist, sorry).
For the partial update... It only requires the homeowner attestation on the main load center and HVAC only (no plumbing or wires). The savings only kick in when a house is 40+ years old though. And the savings are a bit less than the complete overhaul. However, this means when a home is 30 to 40 years old, there is no way to get savings even if you did the partial work at year 30. Color me confused... but whatever.
Anyway, if you've upgraded your service entry, main panel, and HVAC, it's worth a call to your insurance agent.
I've learned that homeowners insurance underwriting for some carriers in California punish a home with higher premiums for being 30+ years old. But this can be offset if the homeowner has upgraded their circuit breaker box (load center) and HVAC. Since a lot of people in this sub have actually done both, it's worth looking into to see if you can get a premium reduction.
I'm with State Farm, and they have two potential avenues. One is a "complete update" and another for a "partial update" This is kind of confusing (but not as confusing as a NEM2-PS black and white bill). What I understand is:
For the "complete update", this has the most savings... and can kick in once a house hits 30 years old. this requires you to re-do everything. Basically a complete gut-job and remodel. To get the discount, your contractor has to attest the work was done. This includes all your plumbing/vents AND all interior wiring. So it's probably really tough to get this unless PG&E burns your house down (I couldn't resist, sorry).
For the partial update... It only requires the homeowner attestation on the main load center and HVAC only (no plumbing or wires). The savings only kick in when a house is 40+ years old though. And the savings are a bit less than the complete overhaul. However, this means when a home is 30 to 40 years old, there is no way to get savings even if you did the partial work at year 30. Color me confused... but whatever.
Anyway, if you've upgraded your service entry, main panel, and HVAC, it's worth a call to your insurance agent.
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