Hyde Park bungalows and Seminole Heights cottages still hide Federal Pacific and Zinsco load centers that were ordinary when those streets were new. The insurance letter is usually written somewhere else. The work is governed by whichever city sits on the parcel and by whichever utility owns the meter.
Those two systems do not match. Inside Tampa city limits the permit is Construction Services through Accela. Unincorporated Hillsborough County is HillsGovHub, including a named ELE-Electrical power-release inspection before the utility restores the service. St. Petersburg is its own Construction Services and Permitting shop at One 4th Street North. Unincorporated Pinellas County is the Pinellas Access Portal. A helper with a van is not the person who can print any of those.
Lakeland and Sarasota are nearby on a map and not this packet. This page stays on Hillsborough and Pinellas.
What TECO and Duke actually wrote
TECO’s Standard Electrical Service Requirements are blunt about who may touch the company’s side. Connections to or disconnections from Tampa Electric equipment are TECO’s job. There is a published exception: a licensed electrician may optionally disconnect a residential or small-commercial single-phase overhead service of 300 amps or less if they schedule the reconnect first, leave TECO’s attachment point alone, do not cut TECO conductors, and take the meter out only after the service is dead. Three-phase stays with TECO so phase rotation is preserved. The tariff repeats the inspection gate: where a city or county electrical wiring permit is required, no service will be connected or altered until that inspector signs.
Duke Energy Florida’s April 2026 Service Requirements Manual says a licensed electrical contractor shall notify the company before breaking and removing the meter seal, then notify the company immediately after the work so Duke can re-inspect and replace the seal. Company-owned meters are not for the customer to pull.
Neither utility publishes a guaranteed outage window. Power LLC’s Tampa page describes four to six hours off for a standard 100A-to-200A upgrade. Treat that as contractor language.
Read the bill before the estimate. The City of St. Petersburg bills water and trash. City flood notices send power outages to Duke Energy. A contractor page that invents a municipal electric company for St. Pete is not the official rulebook.
Permits inside the cities and in the counties
Inside Tampa city limits, start at Construction Services. Accela Citizen Access is the online counter. Hillsborough County’s own permits page says building and subtrade work is HillsGovHub, not the city portal, and the county’s FAQ names the electrical power-release inspection you schedule on that record.
In St. Petersburg, Construction Services and Permitting sits at the Municipal Services Center. Online applications and ePlan review are the published path. The city’s July 2026 HB 803 cheap-job exemption does not cover electrical work. Unincorporated Pinellas County tells you to confirm the address is actually in the county — Belleair Beach and St. Pete are not the Pinellas portal.
A 100A-to-200A upgrade is a utility coordination job as well as a city or county permit.
Price, without inventing one
One Tampa contractor page publishes installed 2026 bands. Power LLC’s Tampa panel-upgrade page says a typical 100A-to-200A upgrade is $1,800–$3,200, a same-amperage 200A replacement is $1,400–$2,400, a Federal Pacific / Zinsco / Pushmatic swap-out is $2,200–$3,800, and 400-amp work is $4,500–$7,500. Those are printed lines, not an average we made up.
Florida license lookup is public. Ask for the EC (certified, statewide) or ER (registered, local) number and check it on DBPR before you sign. Accurate Electric LLC advertises Zinsco and Federal Pacific work on its own site, prints EC13011008, and matched a Current/Active certified electrical record at Plant City. Their FPE page is a form and a phone number; we did not find a public shop mailbox there.
Power LLC prints EC13015512 and a public info@powerll.com inbox, but the official DBPR detail for that number is Null and Void. We used their prices and omitted them as a listing rather than guess a different license. Directory-only shops and generic multi-city sites are omitted. Accurate 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 (Hillsborough’s power-release is worth naming on the invoice), an invoice with the EC number on it, and photos if the letter asks. If your electrician produces a load calculation or a labeled panel schedule, send that too. We did not find a Florida carrier page that publishes a single national “sticker” form. Ask the agent what they will actually open.
Typical replacement cost
$1,800–$3,200 is the published Tampa 100A-to-200A band on one 2026 contractor page
$1,800–$3,200
100-amp to 200-amp standard panel upgrade in Tampa
Their Tampa 2026 pricing block. Same page lists a same-amperage 200A swap at $1,400–$2,400, a Federal Pacific / Zinsco / Pushmatic swap-out at $2,200–$3,800, and 400A work at $4,500–$7,500. Cost source only — see listings.
Source: Power LLC$2,200–$3,800
Federal Pacific / Zinsco / Pushmatic swap-out in Tampa
Printed as a separate line from the 100A-to-200A band. Same contractor, same page. We are not averaging the two.
Source: Power LLC
Permit
Who pulls it: City of Tampa electrical work is filed through Accela Citizen Access as a building/trade permit (residential electrical trade records appear in that portal). Hillsborough County’s permits page says building and subtrade permits run on HillsGovHub; the county’s Development Services FAQs tell contractors to schedule an ELE-Electrical power-release inspection on the permit record. St. Petersburg’s building-permits page sends applicants to the city’s online portal and ePlan review; its July 2026 HB 803 exemption form explicitly does not cover electrical work. Unincorporated Pinellas County applications go through the Pinellas County Access Portal (Accela). Florida statewide licensing is DBPR; city or county contractor registration is an extra step.
Lakeland is Polk County. Sarasota is a different AHJ and a different utility story. Clearwater, Largo, and other Pinellas cities run their own building departments. A quote that only says “we handle the permit” should name the city on the address.
Utility coordination
Tampa Electric (TECO) for Tampa and most of Hillsborough County; Duke Energy Florida for St. Petersburg and much of Pinellas County
Who disconnects: TECO’s Standard Electrical Service Requirements say connections to or disconnections from Tampa Electric equipment are done by TECO, with a published exception — a licensed electrician may optionally disconnect a residential or small-commercial single-phase overhead service of 300A or less if they schedule the reconnect first, leave TECO’s attachment point intact, do not cut TECO conductors, and pull the meter only after the service is dead. TECO disconnects all three-phase services. TECO’s tariff says that where a city or county electrical wiring permit is required, no service will be connected or altered until the inspector approves the installation. Duke Energy Florida’s April 2026 Service Requirements Manual says a licensed electrical contractor shall notify the company before breaking and removing the meter seal, then notify the company immediately after the work so Duke can re-inspect and replace the seal. Company-owned meters are not for homeowners to pull.
Outage window: Neither TECO nor Duke publishes a guaranteed “power off for X hours” figure for a residential panel swap. Power LLC’s Tampa page describes 4–6 hours off for a standard 100A-to-200A upgrade — contractor field notes, not a utility SLA.
Confirm the logo on the bill. The City of St. Petersburg’s own utility bill is water, wastewater, stormwater, and sanitation. City flood-safety notices tell residents to report power outages to Duke Energy. Do not treat a contractor page that names a “City of St. Petersburg Power” company as the official electric utility. Winter Haven, Lakeland, and Sarasota are outside this page.
What to hand the insurer
- Closed City of Tampa, Hillsborough County, St. Petersburg, or Pinellas County electrical permit
- Passed inspection / AHJ sign-off (Hillsborough’s power-release inspection is a named step)
- Invoice showing the Florida electrical contractor license (EC or ER)
- 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.
Accurate Electric LLC
Plant City, FL
Published license: EC13011008 (Florida DBPR)
Dedicated Zinsco and Federal Pacific panel page for Tampa Bay / Hillsborough County, with License
How this page was built
Compiled by Panel Letter on 2026-09-01 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.
- Accurate Electric, Zinsco and Federal Pacific electrical panels
FPE/Zinsco replacement advertising, Hillsborough service area, License #EC13011008. Public contact on that page is a form plus phone — no shop mailbox printed.
- Florida DBPR, Accurate Electric LLC EC13011008
Certified Electrical Contractor, Current/Active, DBA Accurate Electric LLC, Plant City, Hillsborough. Expires 08/31/2028.
- Power LLC, Electrical panel upgrade in Tampa
2026 Tampa price bands, FPE/Zinsco/Pushmatic insurance language, prints EC13015512. Cost source only.
- Florida DBPR, Power LLC number EC13015512
Certified Electrical Contractor record for EC13015512 is Status Null and Void (qualifier Alejandro Dominguez, Winter Haven). Omitted as a listing.
- Florida DBPR, Verify a Licensee
Official Florida electrical-contractor lookup.
- City of Tampa, Construction Services
Official city building-permit and inspection division; Accela Citizen Access linked from this page.
- City of Tampa Accela Citizen Access
Online permitting portal for the City of Tampa.
- Hillsborough County, Permits
Building and subtrade permits run on HillsGovHub.
- Hillsborough County, Development Services FAQs
ELE-Electrical power-release inspection is scheduled on the HillsGovHub permit record.
- HillsGovHub
County online application, permitting, and inspections.
- City of St. Petersburg, Building Permits
Municipal Services Center permitting, ePlan, HB 803 exemption that excludes electrical work.
- Pinellas County, Applying for a Building Permit
Unincorporated Pinellas trade permits through the Access Portal; confirm the address is not inside a city.
- Tampa Electric, Standard Electrical Service Requirements
Licensed-electrician optional disconnect for single-phase overhead ≤300A; TECO disconnects three-phase; no cutting TECO conductors.
- Tampa Electric, Rules and Regulations (tariff section 5)
No connect or alter until city/county electrical inspector approval where a wiring permit is required.
- Tampa Electric, Construction
Public link to the SESR.
- Duke Energy, Service Requirements Manual (April 2026)
Licensed-electrician notice before breaking a meter seal; reseal after the work.
- City of St. Petersburg, post-flooding electrical safety advisory
City tells residents to report power outages to Duke Energy.
- City of St. Petersburg, Manage Utility Services
City-billed utilities are water, reclaimed water, trash, wastewater, and stormwater — not electric.