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Change your panel, Change your life.

By
Home Inspector with NCW Home Inspections, LLC

Change your panel, Change your life. Wenatchee and Chelan Home Inspection Services.

We rarely think about it. It serves us every day.  It is the largest safety device in your home but most do not appreciate what is does.

It is your electrical service panel. It is the heart of the home electrical system and is in essence the heart of our modern lifestyle.

If you went to your main service panel and shut off the main breaker what would your life be in your home? No lights, no heat, no cooking, no TV so on… and so on.

As a home inspector I had a curious thought. Why is it when I recommend a panel be replaced it becomes more of an issue than other components of the home?

As home inspectors we often cite that a roof need replacement or if an air conditioner or heat pump is old it is ready for replacement or your water heater needs replacement. Most people understand and are used to the thought that these types of components reach the end of a useful lifespan and should be replaced.

                                      Zinsco Panel with smoke damage Wenatchee home inspection

But the main service panel, now that is a different story. This seems to get homeowners and some realtors a little jumpy. They start to question my recommendation and ask more questions.

This brings me to my main point. Service panels and their associated components were built for the time they were installed.  As such they were not designed in many ways for our modern lifestyles and demands. Americans use more electrical power per person than do people of any other country in the world, but that does not mean that we have a better understanding of electricity.

Safety features and design requirements have been developed, improved and implemented in newer installations.

                                         overcrowding and poor bend radius Chelan Home Inspection

Through time many of these older panels become overcrowded and their initial design was poor at best. Time is not a friend of electrical systems and they should be replaced.

So here is a thought, roof replacement cost is about 6-7 k and up. An air conditioner/heat pump can be 2-3k and up. The cost to replace a service panel is usually in the $1200 to $1500 range.

I know this is not cheap but this is the one component that may save your life. A roof leak is bad but it most likely will not kill you. If your service panel catches fire or does not properly function it may have a devastating consequence.


Now I acknowledge that the events that have to happen to create a life threatening situation is a low probability but this is a safety device. It is like the airbag in your car, you sure hope to never need it but you will be glad it is there in the event of an accident.

                                   New installation Wenatchee Real Estate Inspection

The NFPA reported in 2009, an estimated 44,800 home structure fires reported to U.S. fire departments involved some type of electrical failure or malfunction as a factor contributing to ignition.  These fires resulted in 472 civilian deaths, 1,500 civilian injuries, and $1.6 billion in direct property damage.NFPA electrical fires report.

A study conducted by the U.S. Consumer Product Safety Commission (CPSC) in the 1980s indicated that the frequency of fires in residential electrical systems was disproportionately high in homes more than 40 years old. The thought is that the aging of older electrical systems, combined with the fact that older homes were not built to the more rigid building codes of recent times, were deemed the most likely contributing factors.Residential Electrical Aging Research Project.

If you have a panel manufactured by Zinsco, Federal Pacific Electric (FPE) or even Bryant, these panels have a reputation for being problematic and a potential safety hazard and should be replaced sooner versus later but any electrical system 40 years or older needs a thorough evaluation.

As home inspectors we are hired to provide information. There is no pass or fail of a home. We all assume some risk but understanding that risk will help you make a better decision.

“If you think it's expensive to hire a professional to do the job, wait until you hire an amateur.”

Red Adair


NCW Home Inspections, LLC  is a Licensed Washington State Home Inspection service located in Wenatchee Washington serving Chelan County, Douglas County, Kittitas County, Okanogan County and Grant County Washington and the cities of Wenatchee, Leavenworth, Cashmere, Oroville, Cle Elum, East Wenatchee, Quincy and many more…  

Your Wenatchee and Chelan Professional Real Estate, Home and Structural Pest Inspection Service

www.ncwhomeinspections.com                                               509-670-9572

Mike Cooper, Broker VA,WV
Cornerstone Business Group Inc - Winchester, VA
Your Neighborhood Real Estate Sales Pro

Good point, Donald.  Electrical panels are like any other component in a home.  We change a couple dozen a year, and it is rare that we don't find something dangerous with the older ones.  Of course the old FP panels should be replaced, but we went through a period in the mid-2000s where GE panels wouldn't hold their breakers in.  You had to use the cover to keep the breakers in place.  What are the odds there won't be problems in their panels.  We stopped using them after the third or fourth panel like that.  I had used GE panels for decades prior to that.  

Feb 17, 2013 09:22 AM
Donald Hester
NCW Home Inspections, LLC - Wenatchee, WA
NCW Home Inspections, LLC

Gena, I know this can be a tussle. And it is not always the sellers responsibility to replace it. It is a used home ; ) But it should be part of the conversation.

Robert, So true.

Paul, thank you.

Harry, that is true. It not just the panel. The wiring may need work also.

Feb 17, 2013 09:35 AM
Donald Hester
NCW Home Inspections, LLC - Wenatchee, WA
NCW Home Inspections, LLC

Michelle, of course that can be true.

Mike, great point. It not just Zinsco and FPE. There are other panels that are just old and beyond the needs. Or like your example with the GE. The real issue is you do not know some of the problems till you start that evaluation process.

Feb 17, 2013 09:37 AM
Marc McMaster
RE/MAX Centre Realty - State College, PA
Putting my clients before myself

That last photo is a beautiful wiring job.  You definitely don't see that every day. 

Feb 17, 2013 09:58 AM
Donald Hester
NCW Home Inspections, LLC - Wenatchee, WA
NCW Home Inspections, LLC

Marc, True. But it shows you it can be done.

Feb 17, 2013 10:39 AM
Kelly Young
The Platinum Group Realtors - Colorado Springs, CO
Colorado Springs Real Estate ~ 719-226-0126

With an older panel it seems as though addressing it with the seller up front can make a huge differece in that if the buyer wants it replaced it does not come as a suprise because it was discussed and hopefully planned for.  Great safety reminder s well.

 

Feb 17, 2013 10:47 AM
Jay Markanich
Jay Markanich Real Estate Inspections, LLC - Bristow, VA
Home Inspector - servicing all Northern Virginia

Great post Don.  In this area, and likely in most areas, I run into old panels every day.  Certainly considering a new one should be thought out by a circumspect buyer.  While I don't recommend replacement necessarily, I do recommend that a specialist look at it and suggest a course of action.

Feb 17, 2013 05:39 PM
Frank Laisch
Orlando, FL
"The Insurance Guy"

Donald, This is a very important post.There are several Insurance companies that will not insure a home with a Federal Pacific Panel in it. Safety is an important part of home ownership

Feb 17, 2013 07:52 PM
Donald Hester
NCW Home Inspections, LLC - Wenatchee, WA
NCW Home Inspections, LLC

Kelly, Thank you.

Jay, I don't always recommend replacement but as these systems age. They need careful consideration.

Frank, There are some insurance companies that will not insure Zinsco also. I have actually called a few companies and found that some will and some will not.

Feb 18, 2013 12:02 AM
Ridhi Raheja
Movement Mortgage (Illinois) - Naperville, IL
FHA, 203k, VA, Jumbo, PreApproval, Jumbo Home Loan

Great job in putting this blog together Don. Yes you are right. Keeping a well-organized and clean wiring to electric panel should be taken into consideration. Electrical Panel is the most important part of the house that need full attention by each individual, but the truth is, most people take this for granted and tend to ignore it. 

Feb 18, 2013 01:38 AM
Steven Cook
No Longer Processing Mortgages. - Tacoma, WA

Donald -- thank you for the reminder.  Though I had just set up appointment for electrician to come check on what it would take to replace our FP panel, it is nice to be validated in my actions by your post.

I especially appreciated your contrasting of panels and how some are just jumbled together, while others are carefully laid out.

Feb 18, 2013 04:12 AM
Reuben Saltzman
Structure Tech Home Inspections - Minneapolis, MN
Delivering the Unbiased Truth.

That CPSC study you mention - is that why I hear so much concern about electrical components over 40 years old?  I wonder if they would come up with the same numbers if the study was conducted again today... or would it be stuff that was 70 years old was a concern?

Feb 18, 2013 10:40 AM
Donald Hester
NCW Home Inspections, LLC - Wenatchee, WA
NCW Home Inspections, LLC

Ridhi, Thank you.

Steven, Glad I could be a good confirmation.

Reuben- That is probably why that number gets throw around. The report was published in 2008 so it was not that long ago but the data does go back a ways.

 

 

Feb 18, 2013 12:08 PM
Joshua Frederick
Home Inspector for ASPEC Residential Services, LLC - Defiance, OH
Home Inspector in Defiance & all of Northwest Ohio
Good post, but I feel there's something else that needs mentioning. Biggest problem around here (and I'm sure elsewhere) is that the services and panels get replaced/upgraded, but the old, un-grounded branch wiring gets left behind. Unknowing homebuyers see the bright, new, shiny panel, oohing and aahing, and thinking everything's hunky-dory with the electric system, when in fact, the system is anything but "updated". The systems, mentioned in all those studies, pertain to everything, not just panels. Panels are the "heart" of the electrical system and "muy importante", but so are the veins and arteries that supply and deliver.
Feb 18, 2013 08:18 PM
Donald Hester
NCW Home Inspections, LLC - Wenatchee, WA
NCW Home Inspections, LLC

Joshua, You are absolutely correct. Changing the panel is just part of the process. One of the great advantages is that you can now have a clean place to start and you can install AFCI's that can help with the detection of problem wiring. But very good point that should not be underestimated.

Feb 18, 2013 09:49 PM
James Quarello
JRV Home Inspection Services, LLC - Wallingford, CT
Connecticut Home Inspector

I, like Jay, do not necessarily recommend replacement. I leave that descision to the electrician and the now well informed buyer. Joshua also brought up a point I would have made (he beat me to it :)). The wiring is almost never changed in an older house. 

Feb 18, 2013 10:04 PM
Donald Hester
NCW Home Inspections, LLC - Wenatchee, WA
NCW Home Inspections, LLC

Jim, This is where our State SOP's helps. We are required to note the presence of electrical panels that are known to be problematic. Most of the electricians in my area recommend their replacement also.

From our State SOP-

The inspector will-

Report on any circuit breaker panel or subpanel known within the home inspection profession to have safety concerns.

Feb 18, 2013 10:17 PM
James Quarello
JRV Home Inspection Services, LLC - Wallingford, CT
Connecticut Home Inspector

Yes report, it does not say to recommend replacement. My opinion is that would be outside the scope of my expertise. That is why I will take the time to document the issues and explain their potential issues to the buyer. Again, I leave it to the electrician to make the decisions on repairs and replacement. 

Feb 18, 2013 10:28 PM
Donald Hester
NCW Home Inspections, LLC - Wenatchee, WA
NCW Home Inspections, LLC

Jim, I understand your postion and very much respect it.

I am more proactive when it comes to these panels. After seeing several fires in home that had Zinsco panels and seeing evidence from some of my electrical buddies I feel it is prudent to recommend replacement. 

Feb 18, 2013 10:36 PM
James Quarello
JRV Home Inspection Services, LLC - Wallingford, CT
Connecticut Home Inspector

I rarely see a Zinsco out here. Instead there are plenty of FPE's. Probably just as bad. 

Feb 18, 2013 11:30 PM