Many Florida homeowners are surprised when their insurance company suddenly asks about their electrical panel — especially if they’ve never had electrical problems before.
So how do insurance companies know what type of panel you have?
In many cases, they find out during inspections, underwriting reviews, policy renewals, or home purchases.
Here’s what homeowners should know.
One of the most common ways insurance companies learn what panel you have is through a 4-point inspection.
A 4-point inspection typically evaluates:
These inspections are especially common for:
During the inspection, the inspector will usually:
This is often when older panels get flagged.
Use our homeowner Electrical Panel Estimator to help determine whether your panel may deserve further evaluation because of:
Some insurance companies ask homeowners to provide photos of:
This is becoming more common in Florida as insurers pay closer attention to older electrical systems and potential fire risks.
Older electrical panels are often discovered during:
Many buyers don’t even realize they have an older panel until:
This is especially common with older homes throughout Florida.
Insurance companies commonly pay closer attention to older panel brands such as:
Some older panels over 30+ years old may also receive additional scrutiny depending on:
Even some older Square D panels may need evaluation depending on condition and installation history.
This is important.
Just because a panel is older does NOT automatically mean it must be replaced.
In many cases, the decision depends on:
A licensed electrician can help determine whether:
If your insurance company requests information about your electrical panel:
✅ Find out what brand and age the panel is
✅ Have the panel professionally evaluated if needed
✅ Address corrosion, overheating, or safety concerns
✅ Understand your options before making decisions
At Bryan Hindman Electric, we help homeowners understand: