The Federal Pacific Stab-Lok panels are insurance industry no-nos in my area. It has been this way since 9/11 when the re-insurance industry dried up (one has to understand the insurance industry to make sense of that statement). The insurance companies here are looking for just about anything to deny insurance. However, most of them won’t deny insurance per sé. What they do is make it so hard, or expensive, to get insurance that the prospective Client gives up and searches for insurance with some other company. That, of course, sounds bad, but it actually is good for the insurance company for a couple of reasons. First, the company isn’t insuring something that has known problems with it (and that’s what our home inspection reports do, is point out known problems). Second, their insurance policy is easier to sell in the re-insurance industry. Third, when it comes time to do marketing, they can say that they insure 100% (or whatever high number they attain) of the people who apply for insurance with them. What they don’t tell you is that they made it so difficult for most prospects that the prospect himself chose not to apply for insurance with them. So you can have a company that insures 100% of 10,000 applicants but made it so difficult for 90,000 applicants that those 90,000 went elsewhere. All the big companies here (Farmers, State Farm, Prudential, etc.) are now encouraging their independently owned and operated franchises to get a copy of the home inspection report, look for specific problematic items, and have those specific problematic items repaired before issuing insurance on the structure. And, of course, the 1/01 Leko decision made it all possible.