⚡ Common 4-Point Electrical Panel Issues That Can Delay Your Home Insurance Approval

When you apply for or renew a homeowners insurance policy, your insurer may require a 4-point inspection. This inspection focuses on the home’s roof, plumbing, HVAC, and electrical system — the areas most likely to cause major claims.

One of the most common reasons insurance companies delay coverage or deny policies is due to problems in the electrical panel. Even small defects, like double taps or missing knockout covers, can raise red flags about safety and fire risk.

Here’s what you need to know about how these electrical panel issues affect your insurance — and what to do if your home inspector finds them.

🔌 Why Insurance Companies Care About 4-Point Electrical Panels Issues

Electrical panels are at the heart of your home’s safety. A damaged or outdated panel can cause overheating, arcing, or even fire — all risks insurers want to minimize before issuing a policy.

During a 4-point inspection, the electrical section evaluates:

• The type and age of your service panel

• Condition of breakers and wiring

• Evidence of overheating, corrosion, or arcing

• Proper grounding and bonding

• Overall compliance and safety

If the inspector finds unsafe or outdated components, your insurance provider may:

• Require repairs or upgrades before issuing a policy

• Issue a limited coverage period until reinspection

• Or, in severe cases, decline coverage entirely

  
  

🛑 Issue #1: Double Taps (Two Wires on One Breaker)

What It Is: A “double tap” occurs when two wires are connected to a single circuit breaker that is only rated for one wire. This improper connection increases resistance, heat, and the risk of arcing.

Why Insurers Flag It:

• It’s one of the most common causes of overheating and electrical fires.

• Indicates that the panel is overloaded or improperly maintained.

• Suggests DIY or unlicensed electrical work — a major red flag for insurers.

How It Affects Coverage: Insurance companies see double taps as a fire hazard. They often require the issue to be corrected by a licensed electrician before finalizing coverage.

Typical Fixes:

1. Pigtail the wires (tie them together and connect a single lead to the breaker).

2. Install a double-rated breaker (only if the manufacturer allows it).

3. Upgrade or add a sub-panel if space is limited.

   
   

🧱 Issue #2: Missing Knockout Covers

What It Is: Knockouts are small circular holes in the electrical panel that allow wires or conduit to enter. When unused holes are left uncovered, they expose live components inside the panel.

Why Insurers Flag It:

• Open knockouts allow moisture, pests, and debris to enter the panel.

• They compromise electrical safety and may allow sparks to escape in a fault.

• They represent noncompliance with electrical codes.

How It Affects Coverage: Missing knockout covers can lead insurers to require immediate correction. If left unaddressed, coverage could be withheld until proof of repair is submitted.

Typical Fixes:

• Install the correct-size plastic knockout plugs.

• Use insulated bushings where wires pass through holes.

• Make sure all panel openings are sealed before inspection.

  
  

⚠️ Other 4-Point Electrical Panel Issues That May Affect Insurance Eligibility

In addition to double taps and missing covers, insurers also look for:

• Corrosion or rust (signs of water intrusion)

• Melted insulation or burn marks (overheating)

• Over fused circuits (breakers rated too high for wiring)

• Recalled or outdated panels (e.g., Federal Pacific, Zinsco)

If your home has one of these conditions, your policy could be rated as “high risk” or denied until an electrician repairs or replaces the system.

🛠️ What Homeowners Can Do

• Schedule a pre-insurance inspection: Fixing small issues early can save time and frustration later.

• Hire a licensed electrician: Never attempt panel repairs yourself.

• Keep records of all electrical updates: Insurers may request proof of recent upgrades or certifications.

• Communicate with your insurance agent: Once repairs are complete, a

  can help reinstate or renew your policy faster.

  
  

🏁 Final Takeaway

If your 4-point inspection uncovers double taps, missing knockouts, or other electrical defects, don’t panic — these are usually simple and inexpensive fixes when handled by a professional.

Being proactive if you have 4-point electrical panel issues, reduces insurance risks and helps you avoid coverage delays.

👉 Ready to ensure your home passes its 4-point inspection? Call High Mark Inspections, LLC today at 386-361-8040 or book online at🔗 highmarkinspections.com

Serving North Florida & South Georgia with professional, insurance-approved home inspections.