Ground Zero’s panel page says many insurance carriers now require Federal Pacific Stab-Lok replacement and that Zinsco panels are increasingly flagged by insurance. It replaces Pushmatic and Bulldog panels when it finds them. Inside city limits, Inspection Bureau, Inc. handles the electrical permit, and Duke Energy Ohio, whose tariff lists Cincinnati among its communities, owns the meter.
IBI issues the electrical permit and, once its fees are paid, the meter release. Duke’s metering page says all installations must meet the approval of the local inspection bureau.
What Duke Energy Ohio actually wrote
Duke Energy Ohio’s tariff is P.U.C.O. No. 19. The service regulations quoted here took effect January 3, 2023. Electricity will be measured by a meter or meters to be owned and installed by the Company in the customer’s meter base at a location approved by the Company. Duke Energy Ohio’s metering page says the company owns, furnishes, installs, and maintains those billing meters.
A single-family house asking for a temporary disconnect should call about four hours ahead. Other customers give at least three business days.
If any rewiring or change in electric service is being done during the disconnection period, other Company requirements must be met before electric service will be reconnected.
Customer service-entrance wiring has to match the National Electrical Code and the Company’s Information and Requirements for Electric Service booklet. The tariff says copies of that booklet sit on the Company website. We did not find a live public Ohio copy of it. The Carolinas Service Requirements Manual is a different document.
The tariff also says only the Company’s agents are authorized to connect the Company’s service to the customer’s service. Duke does not say how long a panel swap keeps the power off. Ground Zero says a residential upgrade typically means four to eight hours off-grid.
Permits inside Cincinnati and across the river
Inside the city, the electrical permit is filed at IBI’s counter, not with Buildings and Inspections. The city’s inspection page says Cincinnati contracts with Inspection Bureau, Inc. to review and inspect all electrical permits. The working-with-other-departments page says the electrical contractor submits the application and plans directly to IBI.
IBI’s own application says all fees must be paid prior to issuance of a meter release.
Who pulls the permit matters. The city’s registration page lets the owner of a one-, two-, or three-family detached dwelling skip contractor registration only if that owner personally performs the work and will occupy the home for at least one year. The city’s guide to managing a residential project warns against pulling a permit in your own name, as if you were doing the work, when you plan to hire a contractor. It says most electrical permits require the contractor to apply directly.
Norwood is a separate city even though Cincinnati surrounds it, and it files at its own counter, as do the other Hamilton County jurisdictions outside city limits. Covington and Newport are Kentucky licenses. Whoever quotes the job should say which office the permit goes to for your address.
Price, without inventing one
Ground Zero puts its number in writing. Its page says most 200-amp service upgrades run $4,000 to $6,000, covering the panel, breakers, permit, labor, and inspection. They print a Sharonville example near $4,500. They say a panel-only swap costs less.
Westside Electrical Services publishes different rows for different jobs. Panel replacement only is $1,400 to $3,400. The full 200-amp service row on that page reads $5,600 to $6,800. Those rows describe different jobs. We will not average them, and we did not build a midpoint from either table.
Ground Zero Electric is the listing. The shop’s panel page covers Federal Pacific, Zinsco, Pushmatic, and Bulldog, and the license it shows is CE #50964. Ohio’s eLicense lookup lists that number as EL.50964, an active electrical contractor license for Ground Zero Electric LLC in Cincinnati, through 01/14/2029. Search it as an EL license, and ask which city registration goes on the IBI file.
Directory-only shops are omitted. Sites that name these brands but leave off an Ohio CE or EL number were left out. The listed shop is not affiliated with Panel Letter.
What to hand the carrier
For the carrier, the core papers are the closed IBI or suburban electrical permit, the passed inspection, and an invoice with the license number used on the permit. Photos and a load calculation or panel schedule go in only if the letter asks. No carrier page we found offers one statewide form for this, so the agent’s letter is the guide.
Typical replacement cost
Two Cincinnati shops publish bands that do not describe the same job
$4,000 to $6,000
Most 200-amp service upgrades in the Cincinnati area, including panel, breakers, permit, labor, and inspection
Ground Zero’s panel-upgrades page, which also prints a Sharonville example near $4,500 and says a panel-only swap costs less. One printed band, so no midpoint gets built on top of it.
Source: Ground Zero Electric$1,400 to $3,400
Panel replacement only, with a separate 200-amp service-upgrade band they print at $5,600 to $6,800
Westside’s panel page puts panel-only work and full 200-amp service on separate rows. Neither row lines up with the all-in band Ground Zero prints.
Source: Westside Electrical Services
Permit
Who pulls it: The city’s inspection page says Cincinnati contracts with Inspection Bureau, Inc. to review and inspect all electrical permits. The working-with-other-departments page says the electrical contractor submits the application and plans directly to IBI. IBI’s own application says all fees must be paid before a meter release is issued. The owner of a one-, two-, or three-family detached dwelling is exempt from city contractor registration only if that owner personally performs the work and will occupy the home for at least one year. The city’s project-management page warns owners not to pull a permit in their own name when they intend to hire a contractor, and says most electrical permits require the contractor to apply directly.
Norwood and the other Hamilton County jurisdictions outside city limits file at their own counters. Northern Kentucky jobs need a Kentucky license. Ohio licenses electrical contractors through the Construction Industry Licensing Board, and Cincinnati also requires city contractor registration. Ask which license number and city registration the shop will put on the IBI file, and make sure the quote names the city the house is in.
Utility coordination
Duke Energy Ohio meter rules on a Cincinnati bill
Who disconnects: Duke Energy Ohio’s certified-supplier metering page says the company owns, furnishes, installs, programs, calibrates, tests, and maintains all meters used for retail billing in the Duke Energy Ohio service area. The P.U.C.O. No. 19 tariff file, whose index is current to October 1, 2026, carries service-regulation sheets in effect since January 3, 2023. Those sheets repeat that electricity will be measured by a meter or meters owned and installed by the Company. A residential customer in a single-family home should contact the Company about four hours before a requested temporary disconnect for maintenance. All other residential and non-residential customers shall contact the Company at least three business days in advance. If any rewiring or change in electric service is being done during that disconnection period, other Company requirements must be met before electric service will be reconnected. Customer service-entrance wiring must conform to the National Electrical Code and to the latest revision of the Company’s booklet titled Information and Requirements for Electric Service. That booklet is referenced in the tariff as available on the Company website. We did not find a live public copy of the Ohio booklet. The Carolinas Service Requirements Manual is a different Duke company document and is not the Ohio rule. Section IV also says only the Company’s agents are authorized to connect the Company’s service to the customer’s service, and no one except a Company agent may remove or handle its meters.
Outage window: Duke Energy Ohio does not publish how long a home panel swap keeps the power off. Ground Zero says to expect about four to eight hours off-grid.
Duke’s metering page says all installations must meet the approval of the local inspection bureau. Inside Cincinnati that is IBI, and IBI will not issue a meter release until its fees are paid.
What to hand the insurer
- Closed IBI or suburban electrical permit
- Passed IBI (or suburban) inspection
- Invoice showing the Ohio CE or EL 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.
Ground Zero Electric
Cincinnati, OH
Published license: EL.50964 (Ohio Construction Industry Licensing Board)
Cincinnati panel-upgrades page that names Federal Pacific, Zinsco, Pushmatic, and Bulldog replacements, insurance-driven timelines, and Ohio CE 50964.
How this page was built
Compiled by Panel Letter on 2026-10-25 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.
- Ground Zero Electric, Electrical panel upgrades in Cincinnati
Names Federal Pacific, Zinsco, Pushmatic, and Bulldog. Prints $4,000 to $6,000 for most 200-amp service upgrades and a Sharonville example near $4,500. Prints Ohio CE 50964.
- Ground Zero Electric, Why Federal Pacific Stab-Lok panels are a real problem
Dedicated FPE essay for Greater Cincinnati and Northern Kentucky. Names Zinsco, Pushmatic, and Bulldog. Public shop email is on this page.
- Westside Electrical Services, Panel repair and upgrade
Names Federal Pacific and Zinsco. Prints panel-only $1,400 to $3,400 and 200-amp service upgrade $5,600 to $6,800.
- City of Cincinnati, Building construction inspections
City contracts with Inspection Bureau, Inc. to review and inspect all electrical permits.
- City of Cincinnati, Working with other departments
Electrical contractor submits applications and plans directly to IBI.
- City of Cincinnati, Do I need a registered contractor
Owner of a 1-, 2-, or 3-family detached dwelling is exempt from registration only if they personally perform the work and occupy the home for at least one year.
- City of Cincinnati, Manage a residential construction project
Warns owners not to pull a permit in their own name, attesting that they are doing the work, when they intend to hire a contractor. Says most HVAC, plumbing and electrical permits require the contractor to apply directly.
- Inspection Bureau, Inc., Online inspection application
All fees must be paid prior to issuance of a meter release.
- Duke Energy Ohio, P.U.C.O. No. 19 Schedule of Rates, Classifications, Rules and Regulations
Duke Energy Ohio retail electric tariff. The index is current to October 1, 2026. The service-regulation sheets quoted here (Sections I and IV) took effect January 3, 2023. Electricity will be measured by a meter or meters owned and installed by the Company. A residential customer in a single-family home should contact the Company about four hours before a requested temporary disconnect. Other customers shall give at least three business days. If any rewiring or change in electric service is being done during the disconnection period, other Company requirements must be met before reconnection. Customer installations must conform to the National Electrical Code and the latest Information and Requirements for Electric Service booklet on the Company website. Only the Company’s agents are authorized to connect the Company’s service to the customer’s service. The community index lists Cincinnati and Norwood.
- Duke Energy Ohio, Certified supplier metering services
Duke Energy Ohio owns, furnishes, installs, programs, calibrates, tests and maintains all meters and associated equipment used for retail billing and settlement in the Duke Energy Ohio service area.
- Ohio Construction Industry Licensing Board, License lookup
Official Ohio electrical-contractor lookup. EL.50964 is ACTIVE for Ground Zero Electric LLC, Cincinnati, issued 01/15/2026, expires 01/14/2029. Checked 10/25/2026.