I understand that it is best to defer Fed Pacific panel issues to licensed electrician. My question is this:
What is the requirement, or is there a requirement to note the existence of a FedPac panel on the 4 Point Form? Is it ok to just provide picture of panel, or should there be a notation on the from somewhere? Like the deficency area?
On a 4pt, I always explain the concerns of an FPE panel to the homeowner, as well as telling them that most insurance companies will require it to be changed. On the report, I state the manufacturer and provide a photo. I don’t state it as a deficiency, because that’s debatable, I let the insurance company make that decision.
OK… so then they should have the question of Brand on their forms, as John stated above.
I do many insurance inspections in Minnesota, and have yet to see one single out a particulat brand of panel, rarely a particular brand of breaker, and only sometimes if the home has K&T, (but not as often as you would think).
Give it time…Minnesota will catch up eventually and then, the insurance companies won’t give policies if you have polybutylene, aluminum wiring, or any thing else that the insurance companies don’t want to cover!
I would document all electrical panels, let the insurer determine if eligibility is affected. The Four Point is very different from a home inspection. You want to show what is there and note any obvious deficienies but I would resist the temptation to draw any conclusions or define cause.
FPE is generally a coverage killer, it does not hurt to let the homeowner know it is an issue due to an elevated fire hazard but I would stop short of telling them thier house will burn down. With PEX look at the connectors for signs of corrosion, I would also indicates PEX fixture Supply Lines, let the carrier make the decision through thier underwriting process.
When i perform my Four Point Inspection i note all type of panels on my report, Lets the customer be aware of Federal Pacific, Zinsco, Sylvania, The insurnace will make the call, Even aluminum branch wiring what precent is in the panel. I put this in the comments. If 100% Aluminum, Recommend License electrician evaluated panel.