A research guide, not a lead mill
Got an insurance letter about your electrical panel?
Identify the brand on the door, see what carriers typically ask for as proof, and open a city page for permits, the utility meter pull, published 2026 cost ranges, and — in these ten metros only — electricians who advertise this exact job and print a license number.
Start with the door, not a quote form
Identify
Federal Pacific Stab-Lok, Zinsco/Sylvania, Pushmatic, Challenger, or a fuse box — using labels and official records, not rumor.
Proof
Permit record, final inspection, invoice, photos. We quote public electrician and insurer pages and say when a rule varies by carrier.
Cost
2026 ranges taken from contractor pages we can link. If a city has no published number, we say so.
Ten city guides
That is the whole map. We are not building a 50-state electrician scrape. Each page is the insurance-letter packet for that metro: permit counter, utility meter pull, sourced price band, then a short verified list.
- Atlanta, GA$1,800–$3,000 for Federal Pacific / Zinsco replacement on one Atlanta contractor page
- Chicago, IL$1,500–$3,000 is the published standard-replacement band from one Chicagoland shop
- Dallas–Fort Worth, TX$2,750–$4,800 is the standard 200A DFW band on one local contractor page
- Houston, TX$2,000–$4,500 for most Houston upgrades published by a local contractor
- Los Angeles, CA$3,400–$8,500 for most published residential upgrades
- Northern New Jersey, NJ$2,800–$4,500 for a typical 200-amp upgrade; $3,500–$5,500 for like-for-like FPE/Zinsco swaps
- Orlando, FL$1,500–$3,000 is the published Orlando 200-amp band on one 2026 contractor page
- Phoenix, AZ$2,500–$3,500 is the published Phoenix 200-amp band from a panel specialist
- San Francisco Bay / Marin, CAPublished residential ranges run from about $3,500 to well above $8,500
- Twin Cities, MNPublished Twin Cities figures disagree — read the source, not an average