I've read over my home-owners insurance policy very well. There are no provisions that say anything about "electrical work requiring a city permit shall be done by a licensed electrician".
Do you have any evidence to point to where someone changes a dishwasher or some other small electrical project, and later insurance denies a claim?
I can imagine scenarios of gross negligence (wires run all over exposed, gas leaks, etc. etc.), but if we are talking small mistakes by homeowner during a un-permitted DIY project, I have a very very hard time believing insurance is going to scour the rubble to investigate...like literally how to you prove that!?
Do you have any evidence to point to where someone changes a dishwasher or some other small electrical project, and later insurance denies a claim?
I can imagine scenarios of gross negligence (wires run all over exposed, gas leaks, etc. etc.), but if we are talking small mistakes by homeowner during a un-permitted DIY project, I have a very very hard time believing insurance is going to scour the rubble to investigate...like literally how to you prove that!?