A research guide for the insurance letter
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, and published 2026 cost ranges. In these metros only, we also list 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. Taken from public electrician and insurer pages, with a note 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.
138 city guides
Each page is the packet after the letter: the permit counter, the utility meter pull, a published price band we can link, and a short list of shops that advertise this job and print a license.
- Akron, OHOne Akron shop publishes two panel bands. We are not inventing a Summit midpoint from them
- Albany, NYOne Capital District shop publishes several bands on the same page. They do not match. We do not invent a midpoint
- Amarillo, TXOne Temple shop and one Dallas shop publish Texas panel bands that do not match. We are not inventing a Buchanan Street midpoint from them
- Amery, WIOne Amery shop and one Pewaukee shop publish Wisconsin panel bands that do not match. We are not inventing a Maple Street midpoint from them
- Ann Arbor, MIOne Northern Colorado shop and one Palm Coast shop publish panel bands that do not match. We are not inventing a Huron Street midpoint from them
- Asheville, NCOne Asheville shop publishes two 200-amp bands that do not match. We do not invent a Buncombe midpoint
- Atlanta, GA$1,800 to $3,000 for Federal Pacific / Zinsco replacement on one Atlanta contractor page
- Augusta, GAOne Upstate shop and one Savannah shop publish panel bands that do not match. We are not inventing a Telfair Street midpoint from them
- Austin, TXPublished Austin bands disagree; we do not invent a midpoint
- Bakersfield, CAOne Bakersfield shop publishes starting floors, not a single closed band. We do not invent the missing ceiling
- Baltimore, MDTwo Maryland shops publish Baltimore-area bands that do not agree on the floor
- Baton Rouge, LAOne Baton Rouge shop publishes a panel-upgrade band. We are not inventing a Parish midpoint from it
- Bellingham, WAOne Whatcom shop publishes a Bellingham panel band. We are not inventing a Lettered Streets midpoint from it
- Bend, OROne Central Oregon shop publishes a 200-amp floor. We are not inventing a Deschutes midpoint from it
- Birmingham, ALOne West Texas shop and one Nashville shop publish panel bands that do not match. We are not inventing a 20th Street midpoint from them
- Boise, IDOne Treasure Valley shop publishes a 200-amp band. We are not inventing an Ada midpoint from it
- Boston, MAPublished Greater Boston bands disagree; we do not invent a midpoint
- Canton, OHOne Massillon shop and one Akron shop publish Ohio bands that do not match. We are not inventing a Market Avenue midpoint from them
- Cedar City, UTOne Cedar City shop publishes three 2026 panel bands that do not match. We are not inventing a Main Street midpoint from them
- Chambersburg, PAA Hagerstown shop and a Harpers Ferry shop publish panel bands that do not match. We are not inventing a Franklin Street midpoint from them
- Charleston, SCOne Charleston shop publishes two 200-amp bands that do not match. We do not invent a Lowcountry midpoint
- Charlotte, NCPublished Charlotte bands disagree; we do not invent a midpoint
- Chattanooga, TNNeither published panel band comes from the Chattanooga area. A Nashville page and a Bartlett page print bands that do not match, and we are not inventing a Market Street midpoint from them
- Chicago, IL$1,500 to $3,000 is the published standard-replacement band from one Chicagoland shop
- Chico, CAOne Chico shop publishes a typical California band and a Chico band that do not match. We are not inventing a Bidwell midpoint from them
- Cincinnati, OHTwo Cincinnati shops publish bands that do not describe the same job
- Cleveland, OHOne Northeast Ohio shop publishes an FPE replacement band; we do not invent a second midpoint
- College Station, TXOne West Texas shop and one Temple shop publish Texas panel bands that do not match. We are not inventing a Texas Avenue midpoint from them
- Colorado Springs, COOne Colorado Springs shop publishes a typical 200-amp band. Another names the brands and will not print a number on that page
- Columbia, SCOne Columbia shop publishes Federal Pacific bands that do not match. A second shop publishes a different swap band. We do not invent a Midlands midpoint
- Corpus Christi, TXOne Corpus Christi shop publishes panel bands that do not describe one job. We do not invent a Coastal Bend midpoint
- Dallas-Fort Worth, TX$2,750 to $4,800 is the standard 200A DFW band on one local contractor page
- Denver, COPublished Denver 200-amp bands disagree; we do not invent a midpoint
- Des Moines, IATwo Central Iowa shops publish bands that do not match. We do not invent a Des Moines midpoint
- Destin, FLOne Fort Walton Beach shop and one Palm Coast shop publish Florida panel bands that do not match. We are not inventing an Indian Bayou Trail midpoint from them
- Duluth, MNOne Duluth shop and one Twin Cities shop publish panel bands that do not match. We are not inventing a First Street midpoint from them
- Eugene, OROne Lane County shop publishes a panel-upgrade band. We are not inventing a Eugene midpoint from it
- Evansville, INOne Evansville shop and one Southern Indiana shop publish panel bands that do not match. We are not inventing a Civic Center midpoint from them
- Fairfield, CAOne Solano shop publishes a 200-amp band. We are not inventing a Webster Street midpoint from it
- Fayetteville, ARTwo Northwest Arkansas pages publish 200-amp bands that do not match. We are not inventing a Wedington midpoint
- Fort Myers, FLOne Fort Myers shop publishes a full-upgrade band. We are not inventing a Lee County midpoint from it
- Fresno, CAOne Fresno shop publishes 200-amp bands that do not describe one job. We do not invent a Central Valley midpoint
- Gainesville, FLOne Fort Walton Beach shop and one Palm Coast shop publish Florida panel bands that do not match. We are not inventing a Sixth Avenue midpoint from them
- Grand Rapids, MIOne West Michigan shop publishes a 100-amp to 200-amp band. Another names the brands and will not print a number
- Greensboro, NCOne Greensboro shop and one Palm Coast shop publish panel bands that do not match. We are not inventing a Washington Street midpoint from them
- Hartford, CTOne Eastern Connecticut shop publishes a 200-amp band. We are not inventing a Hartford midpoint from it
- Hickory, NCPanel bands from Greensboro and from Palm Coast, Florida, do not match, and both come from outside Catawba County. We are not inventing a Government Drive midpoint from them
- Honolulu, HIOne Oahu shop publishes two job bands. We are not inventing a harbor midpoint from them
- Houston, TX$2,000 to $4,500 for most Houston upgrades published by a local contractor
- Huntsville, ALTwo Tuscaloosa shops publish West Alabama panel bands that do not match. We are not inventing a Fountain Circle midpoint from them
- Idaho Falls, IDOne Southeast Idaho shop publishes a national band. Local jobs can run higher. We are not inventing a Yellowstone Highway midpoint from the printed national band
- Indianapolis, INOne Indianapolis shop and one Central Indiana shop publish panel bands that do not match. We are not inventing a Washington Street midpoint from them
- Inland Empire / Riverside County, CAPublished Murrieta and Temecula bands disagree; we do not invent a midpoint
- Jacksonville, FLOne Jacksonville shop publishes a 2026 200-amp band; we do not invent a second midpoint
- Johnson City, TNOne Nashville shop and one Memphis-area shop publish Tennessee panel bands that do not match. We are not inventing a Main Street midpoint from them
- Kalamazoo, MIOne Galesburg shop and one Holland shop publish West Michigan bands that do not match. We are not inventing a Crosstown midpoint from them
- Lafayette, LAOne Acadiana shop publishes a Lafayette panel-upgrade band. We are not inventing a Pinhook midpoint from it
- Lake Charles, LAOne Southwest Louisiana shop publishes a 100-amp to 200-amp band. We are not inventing a Calcasieu midpoint from it
- Lakeland, FLOne Destin shop and one Palm Coast shop publish Florida panel bands that do not match. Neither is a Polk County number. We are not inventing a Massachusetts Avenue midpoint from them
- Lancaster, PAOne Lancaster County shop publishes a 200-amp band. We are not inventing a Duke Street midpoint from it
- Lansing, MIOne Lansing shop publishes two replacement bands that do not match. We do not invent a Capitol midpoint
- Las Vegas, NVOne Las Vegas shop publishes 100-amp, 200-amp, and 400-amp bands; we do not invent a midpoint from national calculators
- Longview, TXA Temple shop and a Dallas shop publish Texas panel bands that do not match, and neither prices East Texas work. We are not inventing a High Street midpoint from them
- Los Angeles, CA$3,400 to $8,500 for most published residential upgrades
- Louisville, KYOne Louisville shop publishes two bands that do not describe the same job
- Lowell, MAOne Dracut shop publishes panel bands that do not match. We are not inventing a Merrimack midpoint from them
- Lubbock, TXOne Temple shop and one Dallas shop publish Texas panel bands that do not match. Neither is a Lubbock or Lubbock County number. We are not inventing an Avenue K midpoint from them
- Macon, GAOne Georgia page and one Savannah shop publish panel bands that do not match. We are not inventing an Eisenhower Parkway midpoint from them
- Manchester, NHOne Southern New Hampshire shop publishes a 200-amp band. We are not inventing a Merrimack midpoint from it
- Medford, OROne Rogue Valley shop publishes a straightforward replacement band. We are not inventing a Bear Creek midpoint from it
- Melbourne, FLOne Palm Coast shop and one Ocala shop publish Florida panel bands that do not match. We are not inventing a Strawbridge Avenue midpoint from them
- Memphis, TNOne Bartlett shop and one Nashville shop publish Tennessee panel bands that do not match. We are not inventing a Main Street midpoint from them
- Miami, FLPublished Miami 2026 bands disagree; we do not invent a midpoint
- Milwaukee, WIOne Pewaukee shop and one northwest Wisconsin shop publish panel bands that do not match. We are not inventing a Broadway midpoint from them
- Mobile, ALOne Destin shop and one Tuscaloosa shop publish panel bands that do not match. We are not inventing a Government Street midpoint from them
- Monterey, CAOne Central Coast shop publishes two panel bands that do not match. We are not inventing a Cannery Row midpoint from them
- Myrtle Beach, SCOne Grand Strand shop prints a 100-amp to 200-amp band; salt-damaged mast work is a different scope. We are not inventing a Socastee midpoint from the printed band
- Naples, FLOne Naples shop and one Palm Coast shop publish Florida panel bands that do not match. We are not inventing a Horseshoe Drive midpoint from them
- Nashville, TNOne Nashville shop publishes a 200-amp band; we do not invent a second midpoint
- New Haven, CTTwo New Haven County shops publish Federal Pacific bands that do not match. We do not invent a harbor midpoint
- New Orleans, LAA New Orleans-area shop and a Florida shop publish panel bands that do not match. The Florida number is not an Orleans Parish price. We are not inventing a Poydras midpoint from them
- Norfolk, VATwo Hampton Roads shops publish panel bands that do not match. We are not inventing a Union Street midpoint from them
- Northern New Jersey, NJ$2,800 to $4,500 for a typical 200-amp upgrade; $3,500 to $5,500 for like-for-like FPE/Zinsco swaps
- Ocala, FLOne Ocala shop and one Palm Coast shop publish Florida panel bands that do not match. We are not inventing a Third Street midpoint from them
- Ogden, UTOne Ogden shop publishes a 200-amp band and a higher line for mast work. We are not inventing a Weber midpoint from them
- Oklahoma City, OKOne Oklahoma City shop publishes two panel bands that do not describe the same job
- Olympia, WATwo Olympia shops publish 200-amp bands that do not match. We are not inventing a South Capitol midpoint from them
- Orlando, FL$1,500 to $3,000 is the published Orlando 200-amp band on one 2026 contractor page
- Palm Coast, FLOne Palm Coast shop and one Ocala shop publish Florida panel bands that do not match. We are not inventing a Lake Avenue midpoint from them
- Palm Springs, CAOne Coachella Valley shop publishes a 100-amp to 200-amp band. We are not inventing a Tahquitz midpoint from it
- Panama City, FLOne Naples shop and one Palm Coast shop publish Florida panel bands that do not match. We are not inventing a Harrison Avenue midpoint from them
- Pasco, WAA North Carolina shop and a Florida shop publish panel bands that do not match. We are not inventing a 24th Avenue midpoint from them
- Pensacola, FLOne Fort Walton Beach shop and one Palm Coast shop publish Florida panel bands that do not match. We are not inventing a Main Street midpoint from them
- Philadelphia, PAOne Philly-area shop publishes FPE/Zinsco and upgrade bands; we do not invent a second midpoint
- Phoenix, AZ$2,500 to $3,500 is the published Phoenix 200-amp band from a panel specialist
- Pittsburgh, PAOne Pittsburgh shop and one Squirrel Hill shop publish panel bands that do not match. We are not inventing a Grant Street midpoint from them
- Port St. Lucie, FLOne Port St. Lucie shop and one Palm Beach County shop publish Florida panel bands that do not match. We are not inventing a Huffman Road midpoint from them
- Portland, MEOne Southern Maine shop publishes a residential panel-upgrade band. We are not inventing a harbor midpoint from it
- Portland, ORPublished Portland 2026 bands disagree; we do not invent a midpoint
- Providence, RIOne Providence shop publishes two panel bands that do not describe the same job
- Punta Gorda, FLOne Destin shop and one Palm Coast shop publish Florida panel bands that do not match. Neither is a Charlotte County number. We are not inventing a Harvey Street midpoint from them
- Raleigh-Durham, NCTwo Triangle shops publish overlapping bands and do not agree on the edges
- Reno, NVTwo Northern Nevada shops publish bands that do not match. We do not invent a Reno midpoint
- Roanoke, VACline's Roanoke band and a Hampton Roads band for Norfolk do not match, and only Cline wrote for this valley. We are not inventing a Church Avenue midpoint from them
- Sacramento, CA$1,800 to $3,500 is the published Sacramento 100A-to-200A band on one 2026 contractor page
- Salem, OROne Salem shop and one Palm Coast shop publish FPE bands that do not match. We are not inventing a Church Street midpoint from them
- Salt Lake City, UTTwo Wasatch Front shops publish 200-amp bands that do not agree on the floor
- San Antonio, TXOne San Antonio shop publishes a panel-upgrade band and does not hide the spread
- San Diego, CAFrom $5,500 is the published North County 100A-to-200A floor on one contractor page
- San Francisco Bay / Marin, CAPublished residential ranges run from about $3,500 to well above $8,500
- San Luis Obispo, CA5 Star's county bands and MAG's single Santa Maria job do not match, and MAG's number comes from outside San Luis Obispo. We are not inventing a Palm Street midpoint from them
- Santa Cruz, CAOne Santa Cruz shop publishes three panel bands that do not describe one job. The listed shop does not print a dollar band. We do not invent a Monterey Bay midpoint
- Santa Maria, CAOne Santa Maria shop published a fixed price for a Federal Pacific swap plus a charger circuit. We do not invent a Central Coast midpoint
- Santa Rosa, CAOne Sonoma County shop publishes Santa Rosa bands that do not describe one job. We do not invent a midpoint
- Sarasota, FLTwo Sarasota shops publish bands that do not match. We do not invent a Gulf Coast midpoint
- Savannah, GAOne Savannah shop publishes service-upgrade bands that do not match. We are not inventing a Salt Creek midpoint from them
- Seattle, WAPublished Seattle 2026 bands disagree; we do not invent a midpoint
- Shreveport, LAOne Shreveport shop publishes a 100-amp to 200-amp band. We are not inventing a river midpoint from it
- Spartanburg, SCOne Upstate shop publishes two panel bands that do not match. We are not inventing a Duncan midpoint from them
- Spokane, WAOne Spokane shop publishes two upgrade bands that do not describe the same job
- St. Augustine, FLBoth published bands were written for other Florida counties, Flagler and Marion, and they do not match. We are not inventing a King Street midpoint from them
- St. Louis, MOOne St. Louis shop publishes two FPE bands that do not describe the same job
- Stockton, CAOne Stockton shop publishes California panel bands that do not describe one job. We do not invent a San Joaquin midpoint
- Tacoma, WAOne Pierce County shop publishes two panel bands that do not match. We do not invent a midpoint
- Tampa-St. Petersburg, FL$1,800 to $3,200 is the published Tampa 100A-to-200A band on one 2026 contractor page
- Temple, TXOne Central Texas shop publishes a 200-amp band. We are not inventing a Bell County midpoint from it
- The Villages, FLOne Villages-area shop and one Ocala shop publish Central Florida panel bands that do not match. We are not inventing a Powell Road midpoint from them
- Tucson, AZTwo Tucson shops publish upgrade bands that do not agree on the floor
- Tulsa, OKOne Tulsa shop publishes two panel bands that do not match. We do not invent a midpoint
- Tuscaloosa, ALTwo Tuscaloosa shops publish West Alabama panel bands that do not match. We are not inventing a Gary Fitts Street midpoint from them
- Twin Cities, MNPublished Twin Cities figures disagree; we do not invent a midpoint
- Tyler, TXOne Temple shop and one Dallas shop publish Texas panel bands that do not match. We are not inventing a Ferguson Street midpoint from them
- Ventura, CATwo Ventura County pages publish panel bands that do not match. We are not inventing a Poli Street midpoint from them
- Washington DC / Northern Virginia, VATwo Northern Virginia shops publish bands that do not match. We do not invent a Beltway midpoint
- Waukesha, WIThe Pewaukee shop on this page and a northwest Wisconsin shop do not print the same panel band. We are not inventing a Delafield Street midpoint from them
- West Palm Beach, FLTwo Palm Beach County shops publish 200-amp bands that do not match. We do not invent a coastal midpoint
- Wilmington, NCOne Naples shop and one Palm Coast shop publish Florida panel bands that do not match. We are not inventing a Government Center midpoint from them
- Worcester, MAPublished Worcester bands disagree; we do not invent a midpoint