Challenger brand electrical panels were installed in homes from the 1970s through 1990s, with last production in 1994. But they have since been found to have a defect that causes the bus bars to overheat under normal operating conditions. The overheating causes cyclical expansion and contraction of the the bus bars, creating a gap between the bus bar and breaker and consequent electrical arcing, which has caused meltdown of the panel components in some cases.

    We are not sure if all Florida insurance companies won't accept this brand of panel, but know that several of them decline coverage until the panel is replaced. It’s worth noting, however, that there have been no recalls of Challenger panels by the Consumer Products Safety Commission (CPSC) and only a limited recall of some 120-volt Challenger breakers in the late 1980s.

    Two other panel brands that are not insurable are Federal Pacific and Zinsco-Sylvania. See our blog posts Who is the manufacturer of those "bad" electric panels? and Why are Zinsco and Sylvania-Zinsco electric panels a problem? to learn more.

    And to figure out how old a Challenger panel is, go to How do I determine the age of a Challenger electrical panel?

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Here’s links to a collection of our other blog posts about ELECTRIC PANELS:

• What causes copper wires to turn green or black in an electric panel?  

• What is the maximum number of circuit breakers allowed in an electric panel?

• When should a corroded or damaged electric panel cabinet or disconnect box be replaced? 

• What is a tandem circuit breaker? 

• When did arc fault circuit interrupter (AFCI) breakers first become required?

• Can an electric panel be located in a closet? 

• Can an electric panel be located in a bathroom? 

• Can you add circuit breakers by different manufacturers to an electric panel if they fit?

• My circuit breaker won't reset. What's wrong?  

• What is a split bus electric panel?

• How do I identify a combination AFCI (CAFCI) circuit breaker? 

• What does a circuit breaker with a yellow or white test button indicate? 

• What is the maximum gap allowed between the front of a recessed electric panel box and the wall surface surrounding it? 

• What are the requirements for NM-cables entering an electric panel box?

• Why is a fuse box/panel an insurance problem for homebuyers? 

• Why is bundled wiring in an electric panel a defect?

• What is the difference between GFCI and AFCI circuit breakers? 

• Why are old electrical components not always "grandfathered" as acceptable by home inspectors?

• What happens when you press the "TEST" button on a circuit breaker in an electric panel?

• What is a Dual Function Circuit Interrupter (DFCI)? 

• What is the difference between a Combination Arc Fault Circuit Interrupter (CAFCI) and an Arc Fault Circuit Interrupter (AFCI) circuit breaker?  

• What is the difference between "grounded" and "grounding" electrical conductors? 

• What does it mean when a wire is "overstripped" at a circuit breaker?

• Why is an old fuse panel dangerous?  

• Why is the circuit breaker stuck in the middle? 

• What is a double tap at a circuit breaker?

• What is the right electric wire size for a circuit breaker in an electric panel?

• What is the life expectancy of a circuit breaker? 

• My circuit breaker won't reset. What's wrong? 

• Why do some breakers in my electric panel have a "TEST" button on them?

• What is the right size electric panel for a house? 

• What do I need to know about buying a whole house surge protector? 

• What is the maximum allowed height of a circuit breaker (OCPD) above the floor?

• What is the maximum height you can mount an electric panel above the floor? 

• What is the code required clearance in front of an electric panel?

• What is the main bonding jumper and where do it find it in an electric panel? 

   Visit our ELECTRIC PANELS page for other related blog posts on this subject, or go to the INDEX for a complete listing of all our articles.