The Insurance Guy: The Old Knob and Tube

By David BissailloniBerkshires Columnist
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Certain issues in real life pop up on occasion because of their insurance world implications; knob and tube electrical wiring is one such topic that recently bubbled to the surface. 

I know you are at the edge of your seat now, waiting to hear more. Berkshire County has lots of older homes, many of them well maintained and quite desirable. However, one of the potentially less appealing features of an older home (especially as it relates to being able to secure affordable homeowners insurance) is that many of these houses were installed with "knob and tube" wiring.

If you have a home with knob and tube wiring and you have your home insured, there may not be any issues at all. In other words, if you are renewing your homeowner's policy with the same insurance company year after year, the issue of knob and tube being a problem may never arise. Insurance companies will not typically investigate longstanding homes they have insured to see if this type of wiring is in place. 

However, if you go to sell your home or change insurance companies, it may be a whole other issue. The bottom line is that insurance companies really don't want to insure homes that have knob and tube.

Why is that?

Knob and tube wiring was typically installed before the 1940s, so first of all, the wiring is old and may be more vulnerable to causing problems leading to such losses as fire. It has no ground wire such as newer systems do and therefore can also present a greater fire hazard. There are also concerns about older systems having additional improperly installed systems along the way. There is also no consistent code requiring full removal of knob and tube wiring, leading to different requirements of dealing with knob and tube throughout the country. We do know that knob and tube is not permitted in any new construction.


What if you are faced with the scenario of having a difficult time securing insurance for your home because of knob and tube wiring being in place?

You need to work with your local agent because different insurance companies have different guidelines on addressing this subject. Let your agent work for you and try to find a solution. It may yield a new insurance provider or at least some time to figure out the issue of replacing the old wiring. Work as well with your licensed electrician to see what options may be in place to address the wiring in the home.

In the end, you may be forced to replace the knob and tube wiring, but that may yield lower insurance premiums, peace of mind, or maybe even an ability to sell your home for a good price. Hope you had a nice summer ... .

Dave Bissaillon dabbles in real life while working daily as an account executive at Smith Bros.-McAndrews Insurance Agency in Adams. His occasional column will touch on insurance and other fun stuff.


Tags: electrical,   homeowners insurance,   knob&tube,   wiring,   

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Sheffield Craftsman Offering Workshops on Windsor Chairs

By Breanna SteeleiBerkshires Staff

Andrew Jack uses hand tools in his wood working shop. 

SHEFFIELD, Mass. — A new workshop is bringing woodworking classes and handmade items.

Andrew Jack specializes in Windsor chairs and has been making them for almost 20 years.

He recently opened a workshop at 292 South Main St. as a space for people to see his work and learn how to do it.

"This is sort of the next, or latest iteration of a business that I've kind of been limping along for a little while," he said. "I make Windsor chairs from scratch, and this is an effort to have a little bit more of a public-facing space, where people can see the chairs, talk about options, talking about commissions.

"I also am using it as a space to teach workshops, which for the last 10 years or so I've been trying to do out of my own personal workshop at home."

Jack graduated in 2008 from State University of New York at Purchase, and later met woodworker Curtis Buchanan, who inspired him.

"Right after I finished there, I was feeling a little lost. I wasn't sure how to make the next steps and afford a workspace. And the machine tooling that I was used to using in school." he said, "Right after I graduated, I crossed paths with a guy named Curtis Buchanan, and he was demonstrating making really refined Windsor chairs with not much more than some some flea market tools, and I saw that as a great, low overhead way to keep working with wood."

Jack moved into his workshop last month with help from his wife. He is renting the space from the owners of Magic Flute, who he says have been wonderful to work with.

"My wife actually noticed the 'for rent' sign out by the road, and she made the initial call to just see if we get some more information," he said. "It wasn't on my radar, because it felt like kind of a big leap, and sometimes that's how it's been in my life, where I just need other people to believe in me more than I do to, you know, really pull the trigger."

Jack does commissions and while most of his work is Windsor chairs, he also builds desks and tables, and does spoon carving. 

Windsor chairs are different because of the way their backs are attached into the seat instead of being a continuous leg and back frame.

"A lot of the designs that I make are on the traditional side, but I do some contemporary stuff as well. And so usually the legs are turned on a lathe and they have sort of a fancy baluster look to them, or they could be much more simple," he said. "But the solid seat that separates the undercarriage from the backrest and the arms and stuff is sort of one of the defining characteristics of a Windsor."

He hopes to help people learn the craft and says it's rewarding to see the finished product. In the future, he also hopes to host other instructors and add more designs for the workshop.

"The prime impact for the workshops is to give close instruction to people that are interested in working wood with hand tools or developing a new skill. Or seeing what's possible with proper guidance," Jack said. "Chairs are often considered some of the more difficult or complex woodworking endeavors, and maybe less so Windsor chairs, but there is a lot that goes into them, and being able to kind of demystify that, or guide people through the process is quite rewarding."

People can sign up for classes on his website; some classes are over a couple and others a couple of weekends.

"I offer a three-day class for, a much, much more simple, like perch, kind of stool, where most of the parts are kind of pre-made, and students can focus on the joinery that goes into it and the carving of the seat, again, all with hand tools. And then students will leave with their own chair," he said.

"The longer classes run similarly, although there's quite a bit more labor that goes into those. So I provide all the turned parts, legs and stretchers and posts and things, but students will do all the joinery and all the seat carving the assembly. And they'll split and shave and shape their own spindles, and any of the bent parts that go into the chair."

His gallery is open Wednesday through Sunday 10 a.m to 2 p.m., and Monday and Tuesday by appointment.

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