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Federal Pacific Electric Panel Insurance


As a homeowner in the zip code 02907 of Cranston, Providence, Rhode Island, you probably understand the importance of maintaining your home and ensuring that all its systems are running smoothly. One such crucial system is your electrical panel, which acts as the power distribution center for your entire home. It is responsible for receiving electricity from your utility provider and distributing it to the various circuits in your home to power your lights, appliances, and devices.

That’s where B&K Electric comes in. Our family-owned and operated electrical business, based in Warwick, RI, has been proudly serving the residents of Cranston, Warwick, and all of Rhode Island for over 17 years. We specialize in electrical repair, panel maintenance, and installation, making us your go-to electrician for all your electrical needs in the Warwick area and the greater Providence area.

We understand that as a homeowner, the last thing you want to worry about is the safety and reliability of your electrical panel. That’s why in this article, we’ll discuss the importance of having federal pacific electric panel insurance and how it can help protect your home and loved ones.

The Hidden Dangers of Federal Pacific Electric Panels

First, let’s understand what federal pacific electric panels are and why they can pose a threat to your home’s safety. These panels were commonly installed in homes built between the 1950s and 1980s, and were once considered a reputable brand for electrical panels. However, it was later discovered that these panels were not designed to meet safety standards, and as a result, thousands were recalled in the 1980s.

One of the biggest issues with these panels is their inability to trip breakers during an overload or short circuit. This can lead to overheating, which can cause a fire hazard. In fact, studies have shown that federal pacific electric panels have a higher incidence of failure, with some estimates stating that nearly 1 in 4 can become defective over time.

Another issue with these panels is that they do not have the required safety mechanisms, such as ground fault circuit interrupters (GFCIs) and arc-fault circuit interrupters (AFCIs), which are designed to protect against electric shocks and fires. This puts your home at a higher risk for electrical accidents and fires, which can have devastating consequences.

Why You Need Federal Pacific Electric Panel Insurance

The potential dangers posed by federal pacific electric panels are alarming, and as a homeowner, it’s your responsibility to take proactive steps to protect your home and loved ones. One of the ways to do this is by getting federal pacific electric panel insurance.

Having insurance coverage for your electrical panel can offer you peace of mind knowing that in case of any electrical issues or accidents, you will be covered. This means that you won’t have to worry about expensive out-of-pocket expenses or potential lawsuits if your panel causes damage in your home or a fire that spreads to neighboring properties.

Additionally, if you’re looking to sell your home, whether now or in the future, having insurance for your electrical panel can be a valuable selling point. It shows potential buyers that you have taken the necessary steps to ensure the safety and reliability of your home’s electrical system.

How to Get Federal Pacific Electric Panel Insurance

Now that you understand the importance of federal pacific electric panel insurance, the next step is to get it for your home. Here are a few key steps to follow:

1. Get a professional inspection: The first step is to get your electrical panel inspected by a licensed electrician. This will help determine if you have a federal pacific electric panel and if it poses any potential threats to your home.

2. Contact your insurance company: Once you have confirmed that you have a federal pacific electric panel, contact your insurance company to inquire about coverage options. Some companies may offer coverage for the panel, while others may require you to replace it before providing coverage.

3. Consider panel replacement: In some cases, insurance companies may require you to replace your federal pacific electric panel before providing coverage. This can be a costly endeavor, but it’s important to prioritize the safety of your home and loved ones.

4. Shop around: If your current insurance company does not offer coverage for your federal pacific electric panel, consider shopping around for other insurance providers that do. Be sure to compare coverage options, premiums, and customer reviews to make an informed decision.

As a homeowner in the Cranston, Providence, Rhode Island area, it’s essential to prioritize the safety and reliability of your home’s electrical panel. B&K Electric is here to help with all your electrical needs, including federal pacific electric panel inspections, replacements, and repairs. Contact us today to schedule an inspection and ensure the safety of your home. Remember, your family’s safety is priceless, and federal pacific electric panel insurance can offer you the peace of mind you deserve.


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