Nobodybusiness
Solar Sponge.
I’m just worried that since they are tightening the NEC to keep DIY out that the insurance companies will follow suit and stop insuring DIY projects.I don't know, but my sense is that it's not an issue of DIY. The DIY part is crucial in terms of... is there a vendor that sold a product that can be blamed, but once it's clear there's no 'product' then.....
Once it's not Fraud or Arson then....
it appears to be 'is there liability' on State Farm's part to help neighbors. If the home owner did anything negligent, then yes. BUT, negligence has a large range that has nothing to do with DIY. I believe in my case - the improper (although common) storage of propane tanks next to an outside wall could be an example of enough negligence that it activates the liability portion of my insurance.
But I'm speculating and would love to hear from someone who actually know how the insurance process works.
That will drop a hammer on things..