Challenger, Pushmatic and Split-Bus Panels

Three other older panel types that inspectors call out, what is documented about each, and when replacing them makes sense.

Challenger

In 1988 the CPSC announced a replacement program for about 9,000 Challenger HAGF-15 and HAGF-20 GFCI breakers because a mechanical part could detach and disable ground-fault protection. Bob Vila notes that problems reported with FPE and Zinsco panels have also been reported for Challenger.

Pushmatic

Pushmatic panels use push-button breakers lubricated with grease that can stiffen with age, some have no main breaker, and parts are obsolete, according to InspectAPedia. The same source notes that no official study has documented unusually high failure-to-trip rates. Treat Pushmatic as old and hard to service rather than proven dangerous.

Split-bus panels

Split-bus panels, common from the 1950s to the 1970s, have no single main shut-off, so cutting all power can take several switches (Waypoint Inspection). Many electricians recommend replacing them during any major electrical upgrade.

Insurance

Kin Insurance names Challenger and Pushmatic, along with FPE and Zinsco, among older panels some insurers may refuse to cover or renew. Ask your insurer before you buy a home with one.

Sources

Sources: CPSC, Challenger GFCI breaker replacement program (1988); Bob Vila, Electrical Panel Replacement Cost (Apr 18, 2024); InspectAPedia, Pushmatic panels; Waypoint Inspection, Split-Bus Panels (Jul 26, 2021); Kin Insurance, Recalled Electrical Panels (Apr 30, 2026). Retrieved Oct 30, 2026.

Prices are published US ranges from the sources listed on each page; anything we calculated ourselves is labeled as an estimate. Get at least three written, itemized local quotes. Run the estimator to build your own range.