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Federal Pacific Electric Panel Insurance


Providence, Rhode Island is a charming coastal city steeped in history. From its colonial roots to its vibrant art scene, Providence has something for everyone. And nestled within the lush neighborhoods of this bustling city are the beautiful homes of hardworking residents. However, with the beauty and history of these homes comes the responsibility of ensuring their safety and upkeep.

At B&K Electric, we understand the importance of a properly functioning electrical system in a home. As a family-owned and operated business, we have been proudly serving the residents of Providence and its surrounding areas for over seventeen years. With our expertise in electrical repair, panel maintenance, and installation, we have become the go-to electricians for homeowners and businesses in the Warwick and greater Providence areas.

One of the crucial aspects of maintaining a safe and functional electrical system in a home is knowing about the potential hazards that may exist. One such hazard that has been a cause of concern for many homeowners in the United States, including those in Providence, is the Federal Pacific Electric (FPE) panel.

In this article, we will delve into what a Federal Pacific Electric panel is, the risks associated with it, and the importance of having the right insurance coverage for it. As a homeowner in the beautiful zip code 02905 of Washington Park, Providence, you need to be well-informed about this topic for the safety of your home and loved ones.

What is a Federal Pacific Electric Panel?

A Federal Pacific Electric panel is an electrical breaker panel that was manufactured by the Federal Pacific Electric Company between the 1950s and early 1980s. These panels were popular during this time and were installed in millions of homes throughout the United States, including many homes in Providence.

The purpose of an electrical panel is to distribute and regulate the flow of electricity throughout a home. A faulty panel can result in overloaded circuits, power outages, and even electrical fires. The Federal Pacific Electric panels, however, have been known to have inherent defects that put them at a higher risk of malfunctioning and causing electrical hazards.

What are the Risks Associated with a Federal Pacific Electric Panel?

The FPE panels have been deemed unsafe by the Underwriters Laboratories (UL), a trusted safety certification organization. It was found that these panels failed to trip, or turn off, when overloaded, leading to overheating and fires. In fact, it was reported that FPE panels were responsible for numerous electrical fires and fatalities in the United States.

One reason for the inherent defects in these panels was the cost-cutting measures taken by the manufacturer, which resulted in cheap and subpar components being used. Additionally, the panels were not designed with the safety mechanisms that are now required in modern electrical panels.

Another issue with these panels is that they degrade over time, making them even more hazardous. As they age, the contact points that connect the breakers to the electrical supply become worn out, leading to frequent tripping and overheating.

The Importance of Having the Right Insurance Coverage for Your FPE Panel

As a homeowner in Providence, it is essential to protect your investment and ensure the safety of your family by having the right insurance coverage for your home. And this includes coverage for your FPE panel.

Many insurance companies have started to exclude coverage for any damage or loss caused by Federal Pacific Electric panels in their policies. This is because of the known risks associated with these panels and the high chance of electrical fires and damages.

In the past, homeowners with FPE panels were able to get coverage for damages caused by these panels through their homeowner’s insurance. However, as more information about the hazards of these panels has come to light, insurance companies have started to reject such claims. This leaves homeowners at risk of bearing the financial burden for any damages or losses caused by their FPE panels.

This is where a specialized insurance policy for FPE panels comes in. Companies like B&K Electric Panel Insurance specialize in providing coverage for these specific types of panels. Having this type of coverage gives homeowners the peace of mind that their home and loved ones are protected in the event of an electrical fire or damage caused by their FPE panel.

As a homeowner in Providence, it is essential to understand the potential risks associated with a Federal Pacific Electric panel. With the knowledge of these risks and the importance of having the right insurance coverage, you can take the necessary steps to ensure the safety of your home and loved ones.

At B&K Electric, we believe in providing our customers with not just top-quality electrical services, but also valuable information to keep their homes and families safe. Our team of licensed and experienced electricians is ready to assist with any electrical repair, panel maintenance, or installation needs you may have. Let us be your go-to electrician for your home or business in Warwick and the greater Providence area.


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