Use Licensed Pros or Risk Insurance Claims
A social media discussion is emphasizing the importance of hiring certified, licensed electricians for wiring work. Homeowners are being warned that using unlicensed individuals can void warranties, violate fire codes, and put their homeowner's insurance claims at risk.
Unlicensed electrical work is annually responsible for an estimated 55,000 fires, 500 deaths, and $1.4 billion in property damage. Faulty wiring and incorrect installations are leading causes of these incidents. Homeowners who hire unlicensed electricians can be held 100% liable for any injuries or fatalities that occur as a result of the faulty work. This liability extends to the unlicensed worker themselves if they are injured on the property, as they typically lack workers' compensation insurance. Most homeowners' insurance policies require electrical work to be performed by a licensed professional to remain valid. If a fire or other damage is traced back to unlicensed work, the insurance company may deny the claim, leaving the homeowner with the full cost of repairs. Beyond the immediate safety and insurance risks, unpermitted electrical work can devalue a property. Prospective buyers and home inspectors scrutinize a home's electrical system, and non-compliant work can lead to failed inspections and costly, mandated repairs before a sale can proceed. Installation of many electrical systems, like generators and EV chargers, by an unlicensed individual can void the manufacturer's warranty. This leaves the homeowner responsible for the full cost of any future repairs or replacements. Licensed electricians are required to carry liability insurance, which protects the homeowner from damages they may cause. Homeowners can and should verify an electrician's license and insurance status through their state's licensing board, such as the Department of Business and Professional Regulation or a local equivalent, before any work begins.
