4 ms·

Good luck filing an insurance claim for damage caused by the use of a non-UL-listed appliance.

• hiatus 3y ago
  What language in an insurance policy requires the use of UL-listed appliances for coverage?
  • brk 3y ago
    None. Stuff like the post you are replying to is common "good luck with insurance" trope. Insurance protects you from stupidity, errors, and negligence. It doesn't protect you from fraud or intentional malice, but using an uncertified device is not fraud. Note that after an accident related to personal stupidity or error, an insurance company could decide you are too risky to further insure, or that the cost for your insurance should increase dramatically. But they can't deny a claim. All of this is of course a significant summary, but insurance won't (can't?) deny a claim linked to an uncertified electrical device in normal circumstances.
    • sleepybrett 3y ago
      I used to work for a major clothing retailer. Our insurance policies did require us to use UL certified appliances in our stores.
      • teddyh 3y ago
        Did you read the policy, or is this what somebody told you?
        • sleepybrett 3y ago
          The head of store told me it was the policy because of insurance requirements we were looking at buying a paneled LED display/wall and UL vs Non-Certified was a large price difference. In the end we paid for UL. (They were actually probably identical panels, non-cert was from china, UL was from a us supplier)