Federal Pacific Panels & Four-Point Inspections in Palm Beach County (Insurance Denial Guide)

Most buyers assume homeowners insurance is automatic: get a quote, pay the premium, and you’re done.

But in Palm Beach County, insurance can fall apart fast when a home has certain electrical panels—especially Federal Pacific (FPE) or Zinsco.

Watch the short version here: https://youtube.com/shorts/3Ifo_Jvz87c

Read the full blog story here: Federal Pacific Panels Four-Point Inspection Insurance Denial (Palm Beach Gardens)

Why Federal Pacific Panels Are a Big Problem for Insurance

Federal Pacific Electric (FPE) panels were installed in millions of homes across the United States from the 1950s through the 1980s.

They’re now widely known to be defective because their breakers can fail to trip when overloaded—which increases fire risk.

Because of this, many insurance companies won’t issue homeowners policies when an FPE panel is present.

Zinsco panels have similar issues and are also frequently uninsurable.

What Is a Four-Point Inspection (and Why It Matters)?

In Florida, insurance companies often require a four-point inspection before they’ll approve coverage—especially for older homes.

A four-point inspection looks at:

  • Roof
  • Electrical
  • Plumbing
  • HVAC

Even if your home inspection goes well, a four-point inspection can flag an electrical panel brand that causes immediate denial.

If You Have Federal Pacific, Zinsco, or Challenger — Here’s What to Do

If the electrical panel is Federal Pacific, Zinsco, or Challenger, take action immediately:

  • Call your insurance company and confirm whether the panel is acceptable
  • Get an electrician quote for replacement (typically $3,000–$5,000)
  • Negotiate with the seller to replace it or credit you at closing
  • Don’t wait until the final week—denial timing can kill your closing

Buying or Selling an Older Home in Palm Beach County?

If you want help identifying insurance risks early—before they become closing emergencies—call Brian Wilder directly.

Brian Wilder — Wilder Real Estate Group
📞 561-201-4717

More details in the blog: Federal Pacific Panels Four-Point Inspection Insurance Denial (Full Story)