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5 Signs Your Home Needs an Electrical Update

4 min readFebruary 19, 2026

Quick Answer: The five key signs your home needs an electrical update are: frequently tripping breakers or blown fuses, flickering or dimming lights, warm or discolored outlets and switch plates, a reliance on extension cords and power strips, and an outdated panel with fewer than 100 amps. Homes built before 1970 are especially likely to need electrical upgrades to meet modern demands safely.

Is Your Home's Electrical System Keeping Up?

Many homes in Chicago and the surrounding suburbs were built decades before today's electrical demands existed. A house built in the 1950s or 1960s was designed for a fraction of the devices, appliances, and electronics that modern families use daily. An outdated electrical system is not just inconvenient — it is a fire hazard. Here are five signs that your home needs professional electrical attention.

1. Frequently Tripping Breakers or Blown Fuses

Circuit breakers trip when a circuit is overloaded — this is a safety feature. But if you are resetting breakers regularly, it means your circuits cannot handle the load your household requires. This is especially common in older homes where kitchens, bathrooms, and home offices share circuits that were originally designed for far less demand. The solution is typically adding dedicated circuits for high-draw appliances and areas.

2. Flickering or Dimming Lights

Occasional flickers when a large appliance starts are normal, but persistent flickering or dimming indicates a problem. Causes range from loose wiring and poor connections to an overloaded circuit or a failing electrical panel. Loose connections are a leading cause of electrical fires, making this symptom one to address promptly.

3. Warm or Discolored Outlets and Switch Plates

Outlets and switch plates should never feel warm to the touch. Heat indicates loose connections, overloaded circuits, or deteriorating wiring behind the wall. Discoloration or scorch marks around outlets are even more urgent — they suggest arcing, which can ignite surrounding materials. If you notice these signs, stop using the outlet immediately and call a licensed electrician.

4. Over-Reliance on Extension Cords and Power Strips

If every room in your home requires extension cords or power strip chains to function, you do not have enough outlets. Beyond the inconvenience, daisy-chaining extension cords and overloading power strips are common fire causes. Modern building codes require outlets every 12 feet in living areas and on every kitchen counter space wider than 12 inches. An electrical update adds outlets where you need them and ensures each circuit has adequate capacity.

5. Outdated Electrical Panel

Homes with panels rated at 60 or 100 amps often cannot support modern electrical loads. If your panel uses fuses instead of breakers, it is almost certainly due for an upgrade. Some older panel brands — including Federal Pacific, Zinsco, and certain Pushmatic models — have documented safety issues and should be replaced regardless of capacity. A modern 200-amp panel provides the capacity most families need today with room for future additions like EV chargers and solar systems.

What an Electrical Update Involves

Depending on your home's condition, an electrical update may include panel replacement, new circuit installation, GFCI and AFCI protection, outlet additions, and rewiring. R-Deco works with licensed electricians to assess your home's electrical system and provide a clear plan and estimate for bringing it up to modern standards safely.

Frequently Asked Questions

How much does it cost to upgrade an electrical panel?

Upgrading an electrical panel in the Chicago suburbs typically costs $1,500 to $4,000 for a standard 200-amp panel replacement. If the utility company needs to upgrade the service entrance — the connection from the street to your home — the cost can reach $4,000 to $6,000. Older homes that need significant rewiring along with the panel upgrade can see total costs of $8,000 to $15,000 or more, depending on the home's size and the extent of wiring that needs replacement. Permits and inspections are required and typically included in the electrician's quote.

Does homeowners insurance cover electrical updates?

Standard homeowners insurance does not cover electrical upgrades as routine maintenance or improvements. However, if an electrical issue causes covered damage such as a fire, the resulting damage is typically covered. Some insurers offer discounts for homes with updated electrical systems, and some older homes may have difficulty obtaining affordable coverage until electrical updates are completed. After upgrading your panel and wiring, notify your insurance company — you may qualify for a reduced premium. The cost of an electrical update is often far less than the deductible and rate increase that follow an electrical fire claim.

Is knob-and-tube wiring dangerous?

Knob-and-tube wiring, found in many Chicago-area homes built before 1940, is not inherently dangerous when in original, undamaged condition. However, it lacks a ground wire, cannot safely support modern electrical loads, and becomes hazardous when insulation is added around it (as frequently happens during attic or wall insulation upgrades) or when amateur modifications have been made. Most electricians and insurance companies recommend replacing knob-and-tube wiring. Some insurers will not cover homes with active knob-and-tube systems. A licensed electrician can evaluate the condition of your wiring and provide a rewiring plan.

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