Does Homeowners Insurance Cover Electrical Work? 
If you own the house that is described in a homeowners policy there is coverage for the house located on the property , which includes additions and built-in parts and fixtures . There is also coverage for related private structures that are also on the described property which are not attached to the residence . When there is an occurrence that isnt expected or intended by the owner to the property there is coverage . This coverage means physical injury to tangible property and this includes the loss of use . Electrical wiring and fixtures are components of a residence and may be present in private structures located on the premises such as a pool shed or detached garage . When electrical work is required because of damage to the structure the electrical work becomes a covered expense . Policies differ as to which perils are covered . The most comprehensive form is called all risk . In this form any damage to the residence is covered except . The list isnt long ; however , flood and earthquake are at the top of the list . Electrical work poses another problem in that after damage has been sustained the repair work might fall under restrictions , codes , ordinances and law that were not in effect at the time of the original construction . The insurance company does not pay for the increased cost which results from the enforcement of these laws and codes . Some companies do not apply this to glass . Most companies offer a provision to cover these costs at an additional premium . The policy makes it clear that the company does not pay for damage that is the result of the neglect or the insured . It also does not pay for damage that is the result of power disruption . This means that if your loss is the result of the utility company failing to supply power , the resulting damage isnt covered . This is assuming that the actual damage is not on the covered premises . The insurance company does not pay for wear and tear . There are many ways to describe this damage that is sustained because the house was not maintained . Some of the issues that arise are deterioration , mechanical breakdown , rust , wet or dry rot , corrosion , mold , contamination or smog . The insurance company does not pay for electrical work that is the result of an act committed by or at the direction of the insured . In summary , if the electrical work required is the result of a fire or lightening , windstorm or hail , explosion , riot , aircraft , vehicles , sudden accidental damage by smoke , vandalism , theft , falling objects , weight of ice , snow or sleet , collapse of a building , sudden tearing apart , accidental discharge or overflow of liquids or steam from plumbing , heating or air-conditioning systems , or freezing , the policy will pay for repair of electrical components of the residence and other structures on the premises . If the electrical system needs repair as the result of other factors such as wear and tear , there isnt any coverage . The homeowners policy is designed to cover you when the unexpected occurs . 