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Ouch. I shall pray that you do not go up in a spontanious electrical fire any time soon.

It will probably be the Christmas Tree that does you in.

On the bright side, at least you'll go out on a festive note.

As a warning, insurance companies are getting really touchy about what they can call "required repairs." I consider it a way of trolling for extra cash in the wake of Katrina and other disasters that have empited the coffers they have so busily filled over the years.

What occurs is that they see something-- for example, when my friend replaces a two-foot square section of roofing that had been blown off by a storm-- and say, gee, let us force out client to pay big bucks to us! Then they say you aren't getting their insurance renewed until you do X. And then kindly offer you very EXPENSIVE coverage until you get X done.

After that (as they did to the same friend I just mentioned) they say, Gee, you need to to Y now, thereby forcing you to get another quarter of thousand ddollar homeowner's coverage.

And then (I kid you not, they did this) they say Now you must do Z and shell out another 2 grand for six months of coverage.

My friend had to replace the sill on her garage, replace her roof, and remove and old chimney and resupport an old addition to her house before she could get 'normal' insurance coverage. AND SHE HAD TO PAY MORE FOR THE INSURANCE THAN THE FIXES!

What I forgot to mention during my tirade is that aluminum wires are such a trigger. As are knob and tube wiring.

I have never heard of knob and tube wiring. I DON'T WANT TO KNOW. lalalalalalalalal - I can't hear you!

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