A Baltimore City insurance letter that names Zinsco or Federal Pacific shows up in Hampden, Canton, and Federal Hill. Stella’s panel page treats those brands as recalled hardware. Your letter is usually written somewhere else. Inside the city the work sits with DHCD Permits and Inspections, and on almost every bill the meter sits with BGE.
Those two systems do not match. The city issues the electrical permit. BGE will not set a meter without the inspector’s certificate of approval. A helper with a van is not the person who can print that permit or book the BGE release.
What BGE actually wrote
Start with the Natural Gas and Electric Service Guide that BGE hosts from its Documents and Guides page. The jurisdictional inspector releases a certificate of approval to BGE. BGE cannot set any meters without that certificate.
The Metering Manual adds the seal rule. Company seals go on equipment that gives access to unmetered wiring. A master or licensed electrician who needs trough access has to call BGE before the work. That is not a homeowner meter-pull path.
Confirm the logo on the bill. Most Baltimore City addresses are BGE. Some western suburban bills are Pepco. Baltimore County’s meter-release page is a suburban process, not the city counter.
BGE does not publish a guaranteed power-off hour count. Richie describes most residential upgrades in one day. That is a contractor field note.
Permits inside Baltimore and in the nearby counties
Inside the city, start at DHCD Permits and Inspections. Changing, installing, or replacing an electrical system requires a permit. Filing is ePermits.
Who pulls the permit matters. Baltimore City Code section 2706.2 is a closed list. An electrical permit may be issued only to a master electrician, a master restricted electrician, a restricted electrician, or a maintenance electrician licensed to do business in the City. The DHCD FAQ is just as hard. A homeowner cannot perform electrical work. There is no owner-occupant electrical-permit path on those pages.
Baltimore County, Anne Arundel, and Howard file at their own counters. A quote that only says “we handle the permit” should name the city on the address.
Price, without inventing one
Stella’s Baltimore-area panel page publishes two installed bands and does not hide the spread. Panel replacement is printed at $1,000 to $2,500. A service upgrade on that same page is $2,500 to $5,000 or more. They name Zinsco and Federal Pacific as the recalled brands that push a replacement.
Richie Electric’s Maryland panel page prints a different floor. A typical 200-amp upgrade starts around $5,000, with BGE or Pepco fees billed separately. Those two systems do not match. We will not average them. We are not inventing a third Baltimore midpoint from either table.
Maryland license lookup is public. Ask for the master number and check it on the State Board of Electricians before you sign. For a city address, also ask whether they are in the ePermits database. One shop advertises this work on their own site and prints a license number. Stella’s panel page names Federal Pacific and Zinsco. The Rockville service-area page of that same site prints 13074. They list a Reisterstown office and write daily work into Baltimore City. They are listed for the panel letter, not as a Baltimore County directory.
Directory-only shops are omitted. A page that names these brands and does not print a Maryland master number is not a listing. The listed shop is not affiliated with Panel Letter.
What to hand the carrier
The useful packet is the closed city or county electrical permit, the passed inspection, the BGE certificate of approval, an invoice with the master number that was on the permit, and photos if the letter asks. If your electrician produces a load calculation or panel schedule, send that too. We did not find a carrier page that publishes a single statewide sticker form. Ask the agent what they will actually open.
Typical replacement cost
Two Maryland shops publish Baltimore-area bands that do not agree on the floor
$1,000 to $2,500
Typical panel replacement, depending on capacity and features, with a separate service-upgrade band they print at $2,500 to $5,000 or more
Their Baltimore-area upgrade page. They name Zinsco and Federal Pacific as recalled brands on that same page. We are not inventing a Baltimore midpoint from this spread.
Source: Stella Electric$5,000
Typical starting figure for a 200-amp panel upgrade in Maryland, with BGE or Pepco utility fees billed separately
Their Maryland panel-upgrade page, which lists Baltimore City in the service area and names Federal Pacific and Zinsco. This floor is above Stella’s printed replacement ceiling. Those two systems do not match.
Source: Richie Electric
Permit
Who pulls it: Baltimore City Code section 2706.2 says an electrical permit may be issued only to a master electrician, a master restricted electrician, a restricted electrician, or a maintenance electrician licensed to do business in the City. The DHCD permit FAQ says a homeowner cannot perform electrical, HVAC, gas, or plumbing work. Electrical work requires a licensed contractor for that discipline.
Baltimore County and the surrounding counties file at their own counters. A quote that only says we handle the permit should name the city on the address. Maryland electrical licensing is the State Board of Electricians. The city also wants the electrician in the ePermits database. Ask for the master number they will put on the DHCD file.
Utility coordination
Baltimore Gas and Electric on most Baltimore City bills
Who disconnects: BGE’s Natural Gas and Electric Service Guide says the jurisdictional inspector releases a certificate of approval to BGE. BGE cannot set any meters without that certificate. The BGE Metering Manual requires Company seals on equipment that gives access to unmetered wiring. A master or licensed electrician who needs trough access has to call BGE before the work. That is not a homeowner meter-pull path.
Outage window: BGE does not publish a guaranteed power-off hour count for a residential panel swap.
Baltimore County’s meter-release page is a suburban process, not the city counter. Confirm the logo on the bill before anyone prices the job. Some western suburban bills are Pepco, not BGE.
What to hand the insurer
- Closed Baltimore City or county electrical permit
- Passed DHCD or county inspection and the BGE certificate of approval
- Invoice showing the Maryland master license used on the permit
- Photos of the old and new panel if the carrier’s letter asks for them
- Load calculation or panel schedule if the electrician produced one
Ask your agent for the exact list. Carriers do not publish a single national checklist.
Electricians who advertise this job
A shop is listed only if it advertises Federal Pacific, Zinsco, or insurance-driven panel replacement on its own site and prints a license number there. Trade-association locators already exist. We will not pad this list. Verify the license before you hire.
To get introduced, use the quote form on this page. We do not send you to the shop from here.
Stella Electric
Reisterstown / Baltimore, MD
Published license: 13074 (Maryland State Board of Electricians)
Baltimore-area panel page that names Zinsco and Federal Pacific as recalled brands and insurance flags, with Maryland Master Electrician License 13074 printed on the Rockville service-area page of the same site.
How this page was built
Compiled by Panel Letter on 2026-09-11 from the public pages below. If a fact was not on a cited page, it is marked as unverified in the copy. This is a research guide, not a bid.
- Stella Electric, Service upgrade and panel replacement
Names Zinsco and Federal Pacific. Prints $1,000 to $2,500 for panel replacement and $2,500 to $5,000 or more for a service upgrade.
- Stella Electric, Electrician in Rockville
Prints Maryland Master Electrician License 13074.
- Stella Electric, Electrician in Baltimore
Serves Baltimore City. Pulls Baltimore City permits on applicable work.
- Richie Electric, Panel upgrades in Maryland
Names Federal Pacific and Zinsco. Lists Baltimore City. Prints a typical Maryland 200-amp starting figure around $5,000.
- Baltimore City Code, Section 2706, Permits
Electrical permit issued only to a city-licensed master, master restricted, restricted, or maintenance electrician.
- Baltimore City DHCD, Permits FAQs
A homeowner cannot perform electrical work. Electrical work requires a licensed contractor for that discipline.
- Baltimore City DHCD, Building permits
Changing, installing, or replacing an electrical system requires a permit through ePermits.
- BGE, Documents and guides, Metering Manual
Official landing page for the BGE Gas and Electric Metering Manual and the combined service guide.
- Maryland State Board of Electricians, License search
Official Maryland master-electrician lookup.