Most Florida homes need a panel replacement for one of three reasons: the panel is unsafe, the homeowner's insurance carrier has flagged it, or the existing service can't carry the load the homeowner actually wants to run. Our master electricians handle all three — pulled to permit, coordinated with the utility, and inspected before we close the job.
If your home still has a Federal Pacific (FPE) Stab-Lok, Zinsco, or Challenger panel, replacement is rarely optional in 2026. Many Florida insurers refuse new policies or non-renew existing ones over these brands, and a 4-point inspection failure on the electrical section is one of the most common triggers for a forced replacement before a closing or renewal. We see these panels every week, and we know the documentation insurers ask for after the upgrade.
A 100-amp service was standard in homes built before the mid-1990s. A modern household with a heat pump, electric water heater, EV charger, or pool equipment routinely exceeds what a 100-amp panel can safely deliver. We size service upgrades — typically to 200 amps, occasionally to 400 amps for larger or fully electrified homes — based on a real load calculation, not a guess. The scope includes the meter base, mast or weatherhead, grounding electrode system, and any code-required service disconnect at the meter.
We also handle whole-panel relocations — moving a panel out of a bathroom, closet, or other location that no longer meets code, and re-locating it to an exterior wall when that's the cleaner long-term answer. Permits, OUC or Duke Energy disconnect/reconnect coordination, and inspection scheduling are part of every project. Call (407) 532-8000 to schedule a panel assessment.