Does your Nashville home need an Electrical Panel Upgrade?
Updated: Apr 27, 2022
A home or businesses electric panel typically last 25-40 years but today’s increased power use may mean your panel is working beyond its intended capacity. If you own an older home with a fuse box or have circuit breakers with outdated amperage, it may be time to consider electric panel replacement.
There are many signs your home’s power supply is outdated and unsafe. Flickering lights, tripped circuits and low amperage are red flags that it’s time for an update. Learn how your electric panel works and how it affects your home’s electricity needs.
What is an Electric Panel?
Your electric panel is a metal box in your basement or garage. It contains all the electric circuits for your home. Electrical panels receive are where your home receives electricity from the power company. The panel distributes the power from this electricity to your lights, switches, and all other items in your home that require electricity.
Flickering or dimming lights, Slight shock or tingling sensation when you touch appliances, A persistent burning smell, or sparking or discolored power outlets may be a sign that you need a new panel or an upgraded electrical panel. Call a local electrical service www.electrician615.com, if you're having any of these issues, immediately, if you're having any of these issues, immediately www.electrician615.com ,if you're having any of these issues as it could cause a fire. Older homes in Madison Tennesse that have been renovated or in East Nashville, North Nashville may have had additions added as they were remodeled but they could not have the right breakers to support the added space.
Will Insurance Cover an Electrical Panel Replacement?
Electrical Panel Maintenance is Expected On Your Nashville Home.
In general, your home insurance company expects you to take responsibility for maintaining features in your home that keep the structure safe. For example, you are expected to keep dead tree branches trimmed away from your roof and have working smoke detectors.
You’re also expected to have a well-maintained electrical panel to prevent fires and power surges. If you have an old or otherwise dangerous panel, your policyholder may not cover electrical fire damage. You must have your electrical panel serviced as needed. This includes electrical panel replacement.
Nashville Homeowners Insurance May Cover Electrical Panel Replacement in Some Instances
If your electrical panel gets damaged in some sort of catastrophic events, such as a fire or vandalism, you may be able to have it replaced under your home insurance policy. However, it’s important to distinguish between damage done to an electrical panel and damage resulting from electrical panel neglect. If you do have a reason to file an insurance claim to pay for electrical panel replacement, you may have to prove that owner neglect wasn’t a factor.
There may also be another way to get your home insurance company to pay for electrical panel replacement. Talk to your insurance agent. Because an old or damaged panel is so high-risk, you may be able to get it covered.
Electrical Panels and Maintaining Insurance Coverage
The condition of your breaker box doesn’t just impact whether insurance will cover fires or other disasters. It can also impact your insurability in the first place. When you apply to have your home insured, your agent may send out an inspector to look for anything that could be a risk factor. Basically, they want to avoid any liability that could result in their having to pay out an expensive claim. For example, your policyholder may require you to place handrails on stairways to prevent falls.
The inspector will very likely ask to see your electrical panel. They will look for signs of age, damage, or other hazards. They may even research the model number. That is to see whether your panel brand is known for being unsafe. If the inspector doesn’t like what they find, they may refuse to provide coverage until you’ve taken care of electrical panel replacement.