Safe, Secure, and Covered — Professional Panel Replacements Through Your Insurance.
Insurance Coordination for Meter Panel Replacements
Licensed, Bonded, and Insured | Experts in Insurance-Approved Electrical Upgrades
At Peak Electrical Contractors Inc., we specialize in helping homeowners navigate the insurance process when replacing outdated or unsafe electrical panels. If you have an older panel — especially brands like Zinsco — your insurance policy may cover the cost of a full meter panel replacement or service upgrade. We work directly with insurance companies to make the process easy, transparent, and stress-free — saving you time, money, and frustration.
Common Panels Covered by Insurance
Many insurance companies recognize certain types of electrical panels as high-risk for fire and failure. Some of the most common panels we help get approved for replacement include:
Zinsco Panels
Federal Pacific (FPE) Panels
Sylvania Panels (Certain models)
Other outdated or damaged meter panels
If your home still has one of these panels, replacing it is not only safer — it may also be required for continued insurance coverage or real estate transactions.
How We Help with the Insurance Process
Peak Electrical Contractors Inc. makes the insurance process simple and efficient:
Perform an on-site evaluation of your existing panel
Provide detailed documentation and written estimates
Communicate directly with your insurance adjuster (if needed)
Submit required photos, reports, and code references
Complete the replacement with full permits and inspections
Coordinate final inspections to satisfy insurance requirements
We know what insurance companies look for — and how to properly document and present your case for approval.
Why Insurance Often Approves Zinsco Panel Replacements
Zinsco electrical panels, installed in homes primarily between the 1950s and 1970s, are notorious for:
Breakers failing to trip during overloads (fire risk)
Bus bars corroding and overheating
Breakers melting to the bus bar, causing loss of control
Non-compliance with modern NEC (National Electrical Code) safety standards
Because of these major safety risks, many insurance carriers will not insure homes with Zinsco panels, or they may require urgent replacement after an inspection.
Replacing your Zinsco panel with a new, safe, code-compliant panel protects your home and ensures your insurance coverage stays in place.
Why Work with Peak Electrical Contractors Inc.?
Licensed, bonded, and insured
Extensive experience with insurance-approved upgrades
Professional documentation and insurance communications
Clean, code-compliant panel replacements
Trusted by homeowners, realtors, and insurance adjusters across Sacramento
We don’t just install panels — we help you through the entire process, from claim to final inspection.
How the Process Works
1. Free In-Home Assessment
We evaluate your existing panel and determine if it qualifies for insurance replacement.
2. Documentation and Estimate Preparation
We prepare everything needed for your insurance adjuster — detailed estimates, photos, and code references.
3. Insurance Coordination
We communicate with your adjuster to provide any additional information they need to approve your claim.
4. Panel Replacement and Inspection
Once approved, we complete your panel replacement with full permits and a final city/county inspection.
Need Help With an Insurance-Approved Panel Replacement?
Don’t try to navigate insurance claims alone — let Peak Electrical Contractors Inc. guide you through the process and ensure your upgrade is done safely and properly.