The letter named Federal Pacific. Salt air is not the rule that closes the file. The city or Lee County still issues the electrical permit. FPL still owns the service conductors going to the house.
The city or Lee County issues the electrical permit. Book FPL’s disconnect and reconnect before anyone opens the meter enclosure. Those two systems do not match. A helper with a van cannot print that permit or book that FPL appointment.
What FPL actually wrote
Start with the Project Portal job aid. Only FPL is authorized to disconnect service conductors going to the home.
Customers can self-schedule a residential disconnect and reconnect for single-phase service at or under 320 amps.
All electrical work involving a meter enclosure requires an electrical inspection by the inspecting authority before FPL re-energizes the service.
Inspections must be submitted to FPL by 1 p.m. Eastern if you want same-day reconnect.
The Electric Service Standards repeat the order. When a service change requires disconnection of FPL’s service, the customer shall request a disconnect and reconnect and establish an advance appointment. FPL normally performs both the disconnect and the reconnect.
A licensed and qualified electrical contractor may disconnect an overhead single-phase service of 300 amps or less only when FPL approves it. The attachment point has to stay intact. No FPL locking device can be on the socket. The reconnect appointment has to already exist. That exception is not a homeowner meter-pull path.
Confirm the logo on the bill. Most Fort Myers and Cape Coral addresses are FPL.
FPL does not publish a guaranteed power-off hour count. Coharbor describes most panel replacements as a single day, with a window where the power is out. That is a contractor field note.
Permits inside Fort Myers and in Lee County
Inside the city, start at Building, Permitting and Inspections, 1825 Hendry Street. Apply through EnerGov. Phone is 239-321-7925.
Who pulls the permit matters. The city’s electrical-trade checklist is blunt. The permit must be pulled by a properly licensed contractor or an owner-builder. If the owner is acting as contractor, Florida Statute 489.103(7) requires the owner to personally appear to sign the application. The same BPI page tells you to require that the contractor pull the permit in his name, not yours. Owning the home does not mean you should pull the permit and then hire someone under your name.
Unincorporated Lee County files at the county. An electric trade permit is required when service is changed. The Service Change inspection is scheduled for the day the power company disconnects. If that inspection is approved, the Lee County Inspections Office contacts the power company for reconnection.
Cape Coral, Bonita Springs, Estero, and Sanibel 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
Coharbor’s Fort Myers FAQ publishes an installed band and does not hide the spread. A full panel upgrade is printed at $2,500 to $4,500, depending on size, location, wiring, and permitting.
That is one shop’s table. We are not inventing a Lee County midpoint from it.
Florida license lookup is public. Ask for the EC number and check it on DBPR before you sign. Two shops advertise this work on their own sites and print a license number. Coharbor’s panels page names Federal Pacific and Zinsco and prints EC13012422. Franco’s panel-replacement page names Federal Pacific Electric, Zinsco, and Challenger and prints EC13004451. They write daily work across Fort Myers, Cape Coral, and Estero. They are listed for the panel letter, not as a Southwest Florida directory.
Directory-only shops are omitted. A page that names these brands and does not print a Florida EC number is not a listing. The listed shops are not affiliated with Panel Letter.
What to hand the carrier
The useful packet is the closed city or county electrical permit, the passed Service Change or final inspection, an invoice with the EC 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
One Fort Myers shop publishes a full-upgrade band. We are not inventing a Lee County midpoint from it
$2,500 to $4,500
Full panel upgrade in Fort Myers, depending on size, location, wiring, and permitting
Their Fort Myers electrical-panels FAQ. Same page names Federal Pacific, Zinsco, and Challenger as brands most insurers will not cover. We are not inventing a Lee County midpoint from this band.
Source: Coharbor Electric
Permit
City of Fort Myers Building, Permitting and Inspections
Who pulls it: Fort Myers’ Building, Permitting and Inspections page sends applications to the EnerGov portal. Phone is 239-321-7925. Email is permits@fortmyers.gov. The city’s electrical-trade checklist says the permit must be pulled by a properly licensed contractor or an owner-builder. If the owner is acting as contractor, Florida Statute 489.103(7) requires the owner to personally appear to sign the application. The same BPI page tells you to require that the contractor pull the permit in his name, not your name. Unincorporated Lee County is a different counter. Lee County’s electrical application guide says an electric trade permit is required when service is changed. The Service Change inspection is scheduled for the day the power company disconnects. If that inspection is approved, the Lee County Inspections Office contacts the power company for reconnection.
Cape Coral, Bonita Springs, Estero, and Sanibel each have their own building department. A quote that only says we handle the permit should name the city on the address. Florida electrical contracting is DBPR. Ask for the EC number they will put on the city or county file.
Utility coordination
Florida Power and Light on most Fort Myers bills
Who disconnects: FPL’s Project Portal job aid is blunt. Only FPL is authorized to disconnect service conductors going to the home. Customers can self-schedule a residential disconnect and reconnect for single-phase services at or under 320 amps. All electrical work involving a meter enclosure requires an electrical inspection by the inspecting authority before FPL re-energizes the service. Inspections must be submitted to FPL by 1 p.m. Eastern so same-day reconnect is possible. FPL’s Electric Service Standards say that when a service change requires disconnection of FPL’s service, the customer shall request a disconnect and reconnect and establish an advance appointment. FPL normally performs both the disconnect and the reconnect. A licensed and qualified electrical contractor may disconnect an overhead single-phase service of 300 amps or less only when FPL approves it, the attachment point stays intact, no FPL locking device is on the socket, and a reconnect appointment is already scheduled. That exception is not a homeowner meter-pull path.
Outage window: FPL does not publish a guaranteed power-off hour count for a residential panel swap.
Confirm the logo on the bill before anyone prices the job. Most Fort Myers and Cape Coral addresses are FPL. A like-for-like panel swap still needs the FPL disconnect ticket and the city or county inspection. A service-size change is still FPL’s disconnect and reconnect, not a helper cutting the seal.
What to hand the insurer
- Closed City of Fort Myers or Lee County electrical permit
- Passed Service Change or final electrical inspection (the approval FPL needs before reconnect)
- Invoice showing the Florida EC number 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.
Coharbor Electric
Fort Myers, FL
Published license: EC13012422 (Florida Department of Business and Professional Regulation)
Own Fort Myers electrical-panels page that names Federal Pacific and Zinsco, says those brands need to be looked at sooner rather than later, and prints STATE-LICENSED ELECTRICAL CONTRACTOR #EC13012422.
Franco's Electric
Estero / Fort Myers, FL
Published license: EC13004451 (Florida Department of Business and Professional Regulation)
Own Southwest Florida panel-replacement page that names Federal Pacific Electric, Zinsco, and Challenger, says insurers often flag those panels, and prints Florida License #EC13004451.
How this page was built
Compiled by Panel Letter on 2026-09-16 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.
- Coharbor Electric, Electrical panels
Names Federal Pacific and Zinsco. Prints EC13012422 and EC13004475. Public shop email is on this page.
- Coharbor Electric, Electrical panels FAQ
Names Federal Pacific, Zinsco, and Challenger. Prints $2,500 to $4,500 for a full panel upgrade in Fort Myers. Prints EC13012422.
- Franco's Electric, Electrical panel replacements
Names Federal Pacific Electric, Zinsco, and Challenger. Prints Florida License #EC13004451. Public shop email is on this page.
- City of Fort Myers, Building, Permitting and Inspections
EnerGov portal. Phone 239-321-7925. Require the contractor to pull the permit in his name, not yours.
- City of Fort Myers, Electrical trade checklist
Permit must be pulled by a properly licensed contractor or an owner-builder. Florida Statute 489.103(7) requires the owner to personally appear to sign an owner-builder application.
- Lee County, Electrical application and permitting guide
Electric trade permit required when service is changed. Service Change inspection is scheduled on disconnect day. Approved inspection is how the county contacts the power company for reconnection.
- FPL, Project Portal scheduling disconnect and reconnect appointments
Only FPL is authorized to disconnect service conductors going to the home. Meter-enclosure work needs an AHJ inspection before re-energize. Inspections must reach FPL by 1 p.m. Eastern for same-day reconnect.
- FPL, Electric Service Standards provisions
Customer requests disconnect and reconnect in advance. FPL normally does both. A licensed contractor may disconnect overhead single-phase 300-amp or less service only when FPL approves it and the attachment point stays intact.
- Florida DBPR, Verify a licensee
Official Florida electrical-contractor lookup.