House was from 1976 and it’s the original breakers.

  1. 21750 POINTS
    Jim WinklerPRO
    CEO/Owner, Winkler Financial Group, Houston, Texas
    That is a great question! There have been issues with Federal-Pacific breaker boxes for years - I've heard that nearly 1 in 4 are defective...They were actually investigated some years ago, and found guilty of fraudulent testing. Faulty wiring is usually a covered expense so your homeowners policy should cover some or all of the cost (minus deductible). They put an awful lot of those things in homes during that time, so there are a lot of folks in the same boat you are. Good luck! Thanks for asking!
    Answered on April 15, 2015
  2. 152 POINTS
    Greg Roover
    Public Adjuster - Loss Appraiser, Claim Concepts, Florida
    This is more of a maintenance issue and would not be covered under most policies. The standard homeowners policy covers you for direct physical damage to property which is sudden and accidental in nature. If the Stab-Lok panel does malfunction and cause damage to your property, the ensuing damages would be covered. Homeowners insurance is not intended to assist with the maintenance of the home and its systems.
    Answered on May 6, 2015
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