Some electrical findings are a safety problem. Some are an insurance problem. A few are both, and those are the ones that stop a policy being written.
Electrical is where four-point inspections most often come apart, because the issues are usually not visible without opening a panel and because two or three specific product types are refused by the insurance market outright.
It is also the area where landlords are most exposed to work done by previous owners. Unpermitted circuits, extended runs, and additions wired by somebody's cousin all surface eventually, and they surface at the worst moment.
Federal Pacific Stab-Lok panels. Installed widely from the 1950s into the early 1980s. Breakers have a documented history of failing to trip under fault. Most carriers decline outright and replacement is the only real answer.
Zinsco and Sylvania-Zinsco panels. Same era, similar reputation, same market response.
Aluminium branch wiring. Used in homes built roughly between 1965 and 1973 as a copper substitute. It expands and contracts at connections, loosens, and overheats at terminations. Carriers generally require remediation with approved connectors at every device before offering cover.
Knob-and-tube. Rare but present in the oldest Florida housing stock, particularly in Jacksonville's older neighbourhoods. Ungrounded, brittle with age, and uninsurable.
Fuse boxes. Anything still on fuses rather than breakers will be flagged, and the amperage is usually inadequate for modern loads.
Replacing a panel is permitted work requiring a utility disconnect and reconnect and a building department inspection. It is a day's work on most single-family properties and the property is without power for part of it, so it wants scheduling between tenancies where possible.
It is also the point at which it is cheapest to correct everything else at the panel: bonding and grounding, breaker sizing that does not match the conductor, double-tapped breakers, and missing AFCI or GFCI protection. Doing those separately later costs considerably more than doing them while the panel is already open.
Not all of it is major. Failed GFCI protection in kitchens, bathrooms, garages and outdoors; exterior fixtures and receptacles corroded by salt air; ceiling fans; smoke and carbon monoxide alarm circuits; EV charge points; and tracing the circuit that trips for no apparent reason.
All licensed, all permitted where a permit is required, and photographed so you have a record of what was done rather than an invoice line saying "electrical works".
We cover the whole state. These are the metros we work in most often — each page covers the local housing stock, code position and insurance context.
If you want cover from most carriers, effectively yes. The market position on Stab-Lok has been settled for years and there is no repair that satisfies an underwriter. It is also a genuine safety issue rather than only a paperwork one.
Approved connectors fitted at every device termination — outlets, switches, fixtures, panel connections. It is methodical work rather than difficult, and it is what carriers ask to see. Complete rewiring is possible but is usually far more disruptive and expensive than the remediation.
Most of it, yes. Panel replacement means a power interruption for part of a day, which needs arranging with the tenant, and occasionally is better scheduled at a changeover.
Yes, where the work requires one. Panel replacements, service changes and new circuits all do. Unpermitted electrical work is one of the most common problems we find on properties bought from previous landlords, and it is not worth adding to.
One number for the inspection and for whatever it turns up. Licensed, insured contractors across Florida.