If your Florida home was built between the 1950s and early 1990s, there is a chance it has a Federal Pacific Electric (FPE) panel. These panels are among the most frequently flagged by Florida insurance companies.
Why Federal Pacific Panels Are a Concern
Federal Pacific Stab-Lok breakers have been found in studies to have high failure rates. The breakers may not trip during an overload, which can lead to overheating and fire.
What Florida Insurers Require
Many Florida insurance carriers now require replacement of FPE panels as a condition of coverage. If your insurer has sent you a letter, you likely have a deadline to respond.
What to Do If You Have One
Do not panic, but do not wait. Contact a licensed electrician who has experience with insurance-driven panel concerns. We can review your situation remotely and help you understand your options.
Have a Federal Pacific Panel?
Send us your inspection report and panel photos for a free remote review. We will give you honest answers about what to do next.
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