Once a staple in many homes from the 1950s to the 1980s, Federal Pacific Stab Lok electric panels are now known to be a significant safety risk. Here’s a deep dive into what makes these panels hazardous and what you can do about it.

Understanding Federal Pacific Stab Lok Panels
Manufactured by Federal Pacific Electric Co., these panels feature unique "Stab Lok" breakers that snap into place. Initially hailed for their affordability, they've now become infamous for their flaws.
The Danger Factor
The primary concern with Stab Lok panels lies in their breakers' failure to trip during overloads or short circuits. This malfunction can result in overheated wiring, melted insulation, and even house fires. Tests have consistently shown that a worrying number of these breakers do not trip as they should, posing a serious risk.
Legal and Safety Issues
In 2005, a New Jersey court found Federal Pacific guilty of fraud, acknowledging that the company sold breakers that didn't adhere to safety standards. Despite this ruling, there hasn't been a nationwide mandate to replace these panels.

Action Steps
If your home is equipped with a Federal Pacific Stab Lok panel, it’s strongly advised to upgrade to a modern, safer alternative. Contact a certified electrician to inspect and replace your panel.
How this Panel Affect Homeowner Insurance in a 4- Point Inspection
Insurance companies often require homes to have up-to-date and safe electrical systems. If your home has a Federal Pacific Stab Lok panel, it could be flagged during a wind mitigation inspection, potentially leading to higher insurance premiums or even denial of coverage until the panel is replaced.
Conclusion
Though they were once commonplace, the safety risks associated with Federal Pacific Stab Lok panels are too great to ignore.
Prioritizing the safety of your home's electrical system is crucial for peace of mind.
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