Electric circuit breakers⚡

Federal Pacific (Stab-Lok) breakers present a significant safety hazard and a substantial insurance risk due to their documented history of malfunction. These panels are prone to:

• Failure to Trip: They often fail to interrupt the flow of electricity during overloads or short circuits, leading to overheating, electrical fires, and extensive property damage.

• False "Off" Indication: They may indicate an "off" position while still carrying live current, posing a severe risk of electrocution to anyone attempting to work on the electrical system.

• High Failure Rates: Statistical data shows that these breakers have unacceptably high failure rates, ranging from 25% to 65%, making them inherently unreliable.

• Zinsco Panels:

  • These panels typically feature a silver or gray faceplate. (Include a clear, high-resolution photo here)

  • Internal components may show signs of corrosion or damage.

• General Indicators of Older/Hazardous Panels:

  • Visible signs of rust, corrosion, or physical damage.

  • Outdated labeling or wiring configurations.

  • Older panels will often not meet current building codes.

Insurance carriers consider these panels to be an unacceptable risk due to:

• The high probability of electrical fires and associated property damage.

• The substantial claims history related to these panels, making them financially unsustainable for insurers.

• During Inspections/Client Interactions:

  • Meticulously document the presence of any identified hazardous panels.

  • Take clear, well-lit photographs of the entire panel and close-ups of the label and individual breakers.

  • When taking photos, take wide shots, and close up shots of the label.

  • Clearly communicate the risks associated with these panels to the client in a professional and empathetic manner.

  • Emphasize the importance of immediate replacement by a qualified electrician.

• Provide Resources:

  • Maintain an updated list of qualified, licensed electricians who can perform panel replacements.

  • Provide clients with informational materials on electrical safety and the dangers of hazardous panels.

• Risk Mitigation:

  • Never attempt to repair or modify these panels.

  • Always recommend immediate professional evaluation and replacement.

  • Document all client interactions and recommendations related to these panels.

• Hazard Awareness:

  • Reinforce that electrical panels are inherently dangerous and should only be handled by qualified electricians.

  • Emphasize the importance of adhering to all safety protocols when working around electrical systems.

• FAQ link: https://www.streetsmart.insurance/faq/is-your-electrical-panel-a-fire-hazard-understanding-federal-pacific-breakers/