How Electric Panels Can Cause Home Inspection Issues

When it comes to home safety, the electrical system is one of the most scrutinized components during a home inspection. A critical part of this system is the electric panel, which serves as the main hub for distributing electrical currents throughout the house. Electric panels can cause home inspection issues, particularly if they are outdated or not up to current standards.

One notorious electrical panel is the Federal Pacific Electric (FPE) Stab-Lok panels, which have been linked to numerous electrical problems and safety hazards.

How Electric Panels Can Cause Home Inspection Issues

Electric panels play a crucial role in protecting your home from electrical fires and other hazards by preventing circuit overloads. A properly functioning electric panel will stop the electrical current if the system is overloaded, thus preventing wires from overheating.

However, during home inspections older electric panels can raise red flags for several reasons. First, they may not comply with modern standards, which have evolved significantly to incorporate advances in safety technology. Second, the age of these panels often means they are more prone to wear and tear, which can lead to loose connections and other risks.

The Problems with Federal Pacific Electric Stab-Lok Panels

Among the most problematic electric panels that can cause home inspection issues are those manufactured by Federal Pacific Electric, particularly the Stab-Lok models. These panels were popular in the United States from the 1950s through the 1980s. Decades later, they have become infamous due to their high failure rates and the potential fire risks they pose.

The issue with FPE Stab-Lok panels lies in their circuit breakers, which have been found to fail to trip in response to an overload or short circuit. A functioning breaker is critical for cutting off electricity to prevent wire damage and fires. The failure rate of these breakers has been found to be significantly higher than for other brands, leading to a serious safety hazard.

Research has shown that one in four Stab-Lok breakers may fail to trip in the event of an overload. This failure can leave homeowners at a higher risk of electrical fires. Due to these risks, the presence of an FPE Stab-Lok panel in a home is often a significant issue during home inspections and can affect the sale and insurability of a home.

Inspection and Disclosure Concerns

During home inspections, the discovery of an FPE Stab-Lok panel can lead to several potential outcomes. Inspectors are likely to flag any such panels as a major concern. For homeowners, the revelation that they have an FPE Stab-Lok panel can lead to unexpected costs and delays. It is not uncommon for insurers to refuse coverage unless the panel is replaced, given the increased risk of electrical fires.

Replacing an Outdated Electric Panel

The replacement of an outdated electric panel, especially one as problematic as the FPE Stab-Lok, is generally seen as a necessary investment in safety. The process involves removing the old panel and installing a new one that meets current electrical standards. This upgrade not only enhances safety but also improves the home’s value. While the initial cost may be considerable, the peace of mind and long-term savings from potential hazards can make the investment worthwhile.

Conclusion

Electric panels can cause home inspection issues. The safety of a home’s electrical system is paramount, and the integrity of its electric panel cannot be overlooked. For those owning older homes or considering the purchase of one, it’s crucial to examine the type of electric panel installed.

Panels like the Federal Pacific Electric Stab-Lok should be treated with caution due to their notorious failure rates and the associated risks. Home inspections are a critical time to address these issues, ensuring that homes are safe and ready for a secure future. Upgrading from an old, unreliable electric panel to a modern, safer system is not just a recommendation; it is often a necessity for ensuring the safety of a home.

CMS Home Inspection provides thorough home inspections from the roof to the foundation, and everything in between by a licensed and certified home inspector. From detailing any necessary repairs to sharing valuable home maintenance tips, we strive to inform each client of their initial findings.

Once the inspection is complete, we share a detailed home inspection report with our clients, including photos and videos. Ultimately, homebuyers are left with a clearer understanding of their home or the home they’re buying. And, if you need it, here’s a link to schedule an inspection.