What Oregon and SW Washington homeowners should do next.
If you’ve opened a letter from your insurance company lately and saw words like “non-renewal” or “required electrical upgrade”… yeah, that’ll get your attention fast.
Across Portland, Beaverton, and Vancouver, WA, we’re seeing a big shift in 2026. Insurance companies aren’t suggesting upgrades anymore. They’re requiring them to keep your policy active.
We’ve had a wave of homeowners calling us with 30 to 60 day deadlines trying to figure out what to do next.
More homeowners are getting non-renewal notices tied to outdated electrical systems.
This comes down to risk. Older electrical systems are showing up in claims data tied to house fires and failures. Insurers are tightening rules rather than taking the chance.
Specific brands like FPE and Zinsco are known fire hazards. Insurers usually require full replacement to maintain coverage.
Old 100-amp systems can't handle modern EV chargers and mini-splits. 200-amp service is becoming the new standard for renewals.
Missing GFCI outlets near water or AFCI protection in bedrooms can trigger policy flags during inspections.
Federal Pacific and Zinsco panels have a history of breakers not tripping when they should. This isn't just an "old" thing—it's a massive safety concern.
Common red flags insurers notice:
Fine for 1970, but dangerous for modern loads like EVs and heat pumps.
The gold standard for safety, future-proofing, and insurance approval.
Clean, organized, modern panels (Square D or Eaton) with signed-off inspections.
Don’t sit on it. These jobs take coordination between us, the utility, and the county.
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We'll look at your panel and tell you exactly what needs to be done—no guesswork.
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We design the system around your home and future needs, not just the minimum.
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Permits and utility scheduling are where people get stuck. We take care of it all.
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This is what your insurance company needs. Without it, the work doesn't count.
We’ll help you understand what your insurer is asking for, what actually needs to be done, and how fast we can get it handled.
Fill out the form below, and we will be in touch.
Fill out the form below, and we will be in touch.