{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"Mirror, Mirror, on the Circuit Breaker?","description":" A kitchen fire damaged some cabinets and the microwave above the stove, and the insured hired a contractor to make the repairs. When the contractor needed to temporarily kill power to the outlet above the stove, they asked the insured where the breaker box was - only to be led to a basement bathroom, where opening the medicine cabinet mirror revealed the home\u2019s electrical panel mounted behind it. Now the contractor is refusing to proceed until the insured\u2019s entire electrical system is brought up to code. Notable Timestamps [ 00:43 ] - This scenario features a kitchen-fire repair that led a contractor straight to a breaker box hidden behind a bathroom medicine cabinet mirror. [ 01:38 ] - The hosts credit the scenario to a LinkedIn post from Curtis Goldsborough (\u201cLO$$ Ratio\u201d), showing the actual photo of the panel board tucked behind the mirror. [ 04:14 ] - Start with the \u201cEffective Use\u201d chapter whenever you need a foothold in an unfamiliar part of the building code. [ 06:44 ] - Chapter 34\u2019s equipment locations and clearances section settles the question directly: panel boards, surface equipment, and similar enclosures can\u2019t be located in bathrooms, toilet rooms, clothes closets, or over the steps of a stairway. [ 07:35 ] - The hosts debate how the panel ended up there in the first place - whether it predates any code requiring its relocation, or whether the bathroom was built around an already-existing, properly inspected panel. [ 10:48 ] - Courts are split on how closely an ordinance-or-law code upgrade has to connect to the actual covered damage before it\u2019s payable, and the hosts note this stays a fact-specific, jurisdiction-specific question. [ 12:22 ] - A hypothetical basement man-cave-turned-Airbnb built around the same mirrored panel raises home-sharing coverage questions, which the hosts note ISO addressed with specific policy language starting in 2022. [ 16:07 ] - A recap of the three key takeaways on panel placement, using the IRC\u2019s Effective Use chapter, and the state-specific side of ordinance-or-law coverage. Your PLRB Resources Adjuster Resource Sheet: Home-Sharing Issues for Property Adjusters - https:\/\/members.plrb.org\/documents\/adjuster-resource-sheet-home-sharing-issues-for-property-adjusters Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https:\/\/www.plrb.org\/ask-plrb\/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at \u201cProperty and Liability Resource Bureau\u201d Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your \u201cadjuster story\u201d sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org. Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: \u201cPiece of Future\u201d by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0). ","author_name":"What's the Scenario? with PLRB","author_url":"https:\/\/www.plrb.org","html":"