By Advantage HPE | Serving Panama City to Navarre | Veteran Owned & Operated
If you’re a Florida homeowner, there’s something you may not realize could be putting your homeowners insurance—and your safety—at risk: your electrical panel.
Many insurance companies across Florida are tightening their policies, refusing to renew or write coverage for homes with outdated, unsafe, or recalled electrical panels. That means your home’s ability to stay insured could hinge on a piece of equipment that’s often hidden behind a closet door or in the garage.
Why Are Insurance Companies Concerned About Electrical Panels?
Electrical panels are the heart of your home’s electrical system, distributing power safely to every outlet, appliance, and light fixture. But some older or defective panels pose a major fire risk—and insurers know it.
In recent years, insurance providers in Florida have begun requiring homeowners to upgrade or replace panels that are outdated, unsafe, or no longer up to code. If your panel is on the list of known hazardous brands, or if it simply can’t keep up with your home’s energy needs, it could be flagged during inspections.
Common Panels Insurance Companies May Not Accept in Florida:
- Federal Pacific Electric (FPE) panels
- Zinsco / Sylvania panels
- Challenger panels
- Panels over 30–40 years old
- Panels with aluminum wiring or signs of overheating
If your home has any of these, it’s time to take action—before your policy is canceled or your renewal is denied.
How to Know If Your Electrical Panel Needs Replacing
At Advantage HPE, we offer comprehensive electrical inspections to determine if your panel meets Florida’s current code and insurance guidelines. Here are some signs that your panel may need attention:
Breakers frequently trip or won’t reset Panel feels hot to the touch
You notice burn marks or a burning smell
Lights flicker when large appliances turn on
You’ve upgraded your HVAC or added appliances without updating your electrical system
Your panel is more than 30 years old
What Happens If You Ignore the Warning Signs?
Delaying an electrical panel upgrade doesn’t just risk losing your insurance—it risks fire hazards, electrical failures, and code violations if you try to sell your home. It’s a risk not worth taking, especially in Florida’s high-heat, high-storm environment where electrical demand is already high.
How Advantage HPE Can Help
Licensed, certified electricians
Full panel inspections & replacements
Insurance-compliant upgrades
Veteran-owned, local service you can trust
Honest recommendations—no scare tactics
We proudly serve from Panama City to Navarre, helping homeowners protect their investment, meet insurance requirements, and enjoy peace of mind.
Don’t wait until your policy is denied—
Call Advantage HPE today to schedule an electrical panel inspection or replacement. Or click here: www.advantagehpe.com to request service online.