Why carriers flag it
Carriers flag single-strand aluminum branch wiring because connections at outlets, switches, and splices can loosen and overheat over time, which underwriting treats as a fire risk. It commonly surfaces on a 4-point inspection.
Insurance-required repair
aluminum branch wiring
Your insurer flagged single-strand aluminum branch wiring (common in homes built ~1965–1973) on a 4-point or underwriting inspection and won’t write or renew the policy until it’s remediated.
What paperwork matters
- A licensed electrician’s invoice naming the remediation method (AlumiConn, COPALUM, or rewire)
- A pulled electrical permit
- The passed final inspection / permit sign-off
- A short letter stating every accessible connection was remediated to an accepted method
Start from your city
Use the location where the work will be permitted and inspected. If your city is not listed, start a request anyway.
Don't see your city?Start a request anyway
Common questions
Will remediating my aluminum wiring restore my insurance?
It often clears the underwriting flag when done with an accepted method, but each carrier sets its own rules and no electrician can promise a specific carrier will reinstate. Keep your permit, invoice (naming the method), and inspection so your agent can submit them.
Can you insure a house with aluminum wiring?
Sometimes, but many carriers want proof that single-strand aluminum branch wiring has been remediated before they will bind, renew, or remove an underwriting condition. If a carrier flags it, ask whether they accept AlumiConn, COPALUM, a full copper rewire, or another documented method.
Will homeowners insurance cover aluminum wiring remediation?
Usually no. If the work is required because underwriting does not like the wiring, it is normally treated as a homeowner maintenance or eligibility expense, not an insurance claim payment. Separate the question of “will the carrier insure the home” from “will the carrier pay for the work.”
Is pigtailing aluminum wiring enough for insurance?
Plain twist-on pigtails are often not enough for underwriting. Many carriers prefer or require documentation showing AlumiConn connectors, COPALUM crimps, or a full copper rewire. Get the carrier’s accepted method in writing before approving the job.