Radiant ceiling heat is not accepted here if it is an old home.
Some old baseboard electric radiators are not safe.
Just because an insurance company doesn’t upcharge for something doesn’t meant there are no problems with it or it isn’t a defect to an HI.
Here is the link that specifically discusses the problems with Canadian Federal Pioneer (FP) panels … http://inspectapedia.com/fpe/FederalPioneer.htm