Sometimes the question arrives from the insurer rather than the electrician, because some panel brands and fuse boxes are flagged in underwriting for older California homes. If a carrier letter names your panel, treat the timeline in it as the schedule and get two written quotes built on a load calculation, since the replacement is also the moment to size the service for the charger and heat pump loads the house will add. Keep the permit and final inspection records with the policy file; the insurer's file is closed by documents, not by the work alone.
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