Your carrier refused the Stab-Lok. The city or the county still wants an electrical permit on that address. FPL still wants its own disconnect ticket before anyone opens the meter enclosure.
Pull the electrical permit at the city or the county. Book the FPL disconnect after that. 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 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.
The Electric Service Standards add a second path. 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.
Confirm the logo on the bill. Most West Palm Beach, Lake Worth Beach, Boca Raton, and Jupiter addresses are FPL.
FPL does not publish a guaranteed power-off hour count. Gator’s homepage FAQ describes four to eight hours for the installation itself and one to two weeks for the county permit. Those are contractor field notes.
Permits inside West Palm Beach and in Palm Beach County
Inside the city, start at Development Services, Building Division, City Hall, 401 Clematis Street. Electrical permits go through the EPL Civic Access portal. The Electrical Chief is 561-805-6742. Portal questions go to ds@wpb.org.
Who pulls the permit matters. Florida Statute 489.103(7) lets an owner act as contractor on a one-family or two-family residence. The city’s Permits FAQ adds the local steps. You must appear in person at 401 Clematis Street to sign the application and the Owner-Builder affidavit. If you are not going to perform the work yourself you must hire appropriately licensed contractors. Owning the home does not mean you should pull the permit and then hire someone under your name.
Unincorporated Palm Beach County files at the county. The Permit Center is 2300 N. Jog Road. Applications run through ePZB. The county’s owner-builder guidelines list Electric Service Change as a permit type. The same guidelines say you must perform or supervise the construction yourself.
Lake Worth Beach, Boca Raton, Delray Beach, Boynton Beach, and Wellington 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
Gator’s homepage FAQ publishes one Palm Beach County 200-amp band and does not hide the spread. A 200-amp panel upgrade is printed at $3,500 to $10,500. The same sentence says that number moves with the scope of work, permit fees, and whether the meter base needs replacement.
Trophy’s June 2026 FPE and Zinsco page prints a tighter South Florida band. A typical 200-amp panel replacement including permits is printed at $2,500 to $5,000. Trophy is a cost source on this page. That shop did not print a Florida EC number on the fetched pages.
Those two systems do not match. We will not average them. We are not inventing a West Palm Beach midpoint from either table.
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. Gator’s homepage names Federal Pacific and Zinsco replacement and prints EC0002289. Simon’s West Palm Beach panel-repair page names FPE and Federal Pacific and prints EC13008646. They write daily work across West Palm Beach, Lake Worth Beach, and Palm Beach County. They are listed for the panel letter, not as a county directory.
Directory-only shops are omitted. A page that names these brands and does not print a Florida electrical license 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 license 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 Palm Beach County shops publish 200-amp bands that do not match. We do not invent a coastal midpoint
$3,500 to $10,500
200-amp panel upgrade in Palm Beach County, depending on scope, permit fees, and whether the meter base needs replacement
Their homepage FAQ. Same page names Federal Pacific Stab-Lok and says many South Florida insurers refuse homes with those panels. We are not inventing a West Palm Beach midpoint from this band.
Source: Gator Electric$2,500 to $5,000
Typical 200-amp panel replacement including permits
Their June 2026 Boca Raton / Palm Beach County FPE and Zinsco page. Cost source only. That shop did not print a Florida EC number on the fetched pages. Those two systems do not match Gator's wider 200-amp band.
Source: Trophy Electric LLC
Permit
City of West Palm Beach Development Services, Building Division
Who pulls it: The city’s Building Division sends applications through the EPL Civic Access portal. Development Services is at City Hall, 401 Clematis Street. The Permits FAQ is blunt about the owner-builder path. If the property is not titled through a company, you are not currently renting it, and you do not sell or rent it for a minimum of one year after the work, you can obtain a permit under the Owner-Builder exemption. Per Florida Statutes, you must appear in person before permit issuance at City Hall at 401 Clematis Street to sign the permit application form and Owner-Builder affidavit. If you are not going to perform the work yourself you must hire appropriately licensed contractors. Florida Statute 489.103(7) is the statute behind that exemption. The Electrical Chief is Jay Cooley at 561-805-6742. Portal questions go to ds@wpb.org. Unincorporated Palm Beach County is a different counter. The county Permit Center is 2300 N. Jog Road. County applications run through ePZB. The county’s owner-builder guidelines list Electric Service Change as a permit type an owner-builder can apply for. The same guidelines say you must perform or supervise the construction yourself, and that county ordinances require permit recipients to possess technical knowledge to personally supervise all permitted work. County intake is 561-233-5100.
Lake Worth Beach, Boca Raton, Delray Beach, Boynton Beach, and Wellington 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 West Palm Beach 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 West Palm Beach, Lake Worth Beach, Boca Raton, and Jupiter 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 West Palm Beach, Palm Beach County, or other municipal 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.
Gator Electric
Lake Worth Beach / West Palm Beach, FL
Published license: EC0002289 (Florida Department of Business and Professional Regulation)
Own homepage that names Federal Pacific and Zinsco panel replacement, says many South Florida insurers refuse those panels, prints $3,500 to $10,500 for a 200-amp upgrade, and prints Lic# EC0002289.
Simon Electric
West Palm Beach, FL
Published license: EC13008646 (Florida Department of Business and Professional Regulation)
Own West Palm Beach electrical-panel-repair page that names FPE and Federal Pacific, lists panel replacement and permit-related work, and prints Licensed EC13008646.
How this page was built
Compiled by Panel Letter on 2026-09-18 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.
- Gator Electric, homepage
Names Federal Pacific and Zinsco panel replacement. Prints $3,500 to $10,500 for a 200-amp panel upgrade in Palm Beach County. Prints Lic# EC0002289.
- Gator Electric, Contact
Prints Florida License #EC0002289 and the public shop email on the privacy block of that page.
- Simon Electric, West Palm Beach electrical panel repair
Names FPE and Federal Pacific. Lists panel replacement. Prints Licensed EC13008646.
- Trophy Electric LLC, Federal Pacific and Zinsco panel replacement
Prints $2,500 to $5,000 for a typical 200-amp replacement including permits. Names FPE, Zinsco, Sylvania, and Challenger. Cost source only.
- City of West Palm Beach, Building Division
Development Services Building Division. Applications go through the EPL Civic Access portal.
- City of West Palm Beach, Permits FAQ
Owner-builder must appear in person at 401 Clematis Street to sign the application and affidavit. If you are not doing the work yourself you must hire licensed contractors. Electrical Chief 561-805-6742.
- City of West Palm Beach, EPL Guide
Civic Access is the online permit portal. Contractor registration copies go to ds@wpb.org.
- Palm Beach County, Permit Center
Unincorporated county permits go through ePZB. Permit Center is 2300 N. Jog Road. Phone 561-233-5100.
- Palm Beach County, Owner-builder guidelines
Owner-builder must perform or supervise the work. Electric Service Change is listed as an owner-builder permit type.
- Florida Statute 489.103
Owner-as-contractor exemption. The owner must provide direct onsite supervision and personally sign the permit application.
- FPL Project Portal, Scheduling residential disconnect and reconnect
Only FPL disconnects service conductors. Meter-enclosure work needs an AHJ inspection. Inspections must reach FPL by 1 p.m. Eastern for same-day reconnect.
- FPL, Electric Service Standards, change in service
FPL normally disconnects and reconnects. A licensed contractor may disconnect some overhead single-phase 300-amp or smaller services only when FPL approves it and a reconnect appointment is already booked.
- Florida DBPR, License search
Official Florida contractor license lookup.