For many homeowners in San Diego, Zinsco and Federal Pacific electrical panels were once the standard for home electrical systems. However, as time has passed, these once-common panels have developed serious safety concerns. As a result, insurance companies are now requiring their replacement. If you own an older home, this could impact you.
At Point Loma Electric, Plumbing, Heating & Air, we are experts in inspecting and replacing these electrical panels to meet insurance requirements and keep your home safe.
Why Are Zinsco and Federal Pacific Panels a Problem?
Zinsco and Federal Pacific panels have been linked to several safety hazards, which is why they’re no longer used in modern homes. The two main issues are:
- Breaker Failure: In many cases, the breakers in these panels fail to trip when they should. This means that when there’s an electrical overload or short circuit, instead of shutting off the power to prevent a fire, the panel continues to send power through the system—posing a significant fire risk.
- Overheating and Melting: Over time, the electrical connections in Zinsco and Federal Pacific panels can loosen, causing the breakers and wiring to overheat. This can lead to melted components inside the panel, further increasing the risk of electrical fires.
Because of these dangerous issues, many insurance companies have taken notice. They now see these panels as a liability and are requiring homeowners to replace them to maintain coverage.
What Does This Mean for San Diego Homeowners?
If you have an older home in San Diego, there’s a good chance you may still have a Zinsco or Federal Pacific panel installed. Homeowners across the region are receiving notices from their insurance companies that replacement is mandatory. Ignoring this could lead to higher premiums or even a loss of coverage.
Additionally, many buyers and sellers of older homes in San Diego are discovering that these panels are flagged during inspections, leading to delays in closing real estate transactions.
How Point Loma Electric, Plumbing, Heating & Air Can Help
At Point Loma Electric, Plumbing, Heating & Air, we specialize in inspecting, identifying, and replacing Zinsco and Federal Pacific electrical panels. Our team has the expertise to ensure your electrical system meets modern safety standards and complies with your insurance company’s requirements. We offer:
- Comprehensive Inspections: We’ll thoroughly inspect your current panel to determine if it’s one of the affected models and assess any immediate dangers.
- Panel Replacement Services: Our expert technicians will safely replace your outdated panel with a modern, code-compliant solution that enhances the safety and efficiency of your home’s electrical system.
- Peace of Mind: We understand the insurance requirements, and we’ll provide the documentation needed to ensure you’re fully covered and compliant.
Don’t Wait—Protect Your Home and Stay Insured
If you’re unsure whether your home still has a Zinsco or Federal Pacific panel, don’t wait for an issue to arise or for your insurance company to issue a replacement notice. Protect your home and your family by scheduling an inspection with Point Loma Electric and Plumbing today.
With decades of experience serving the San Diego area, we’re here to help you make the necessary upgrades to keep your home safe and insured.
Contact us today to schedule your inspection or to learn more about our expert panel replacement services.
