Electrical Panel Upgrade in Novato, CA
Ongaro & Sons has upgraded electrical panels in the North Bay since 1932. We hold a C-10 electrical license, we are Diamond Certified, and we carry 2,726 Google reviews averaging 4.8 stars. We run the load calculation, file with the right permit authority, coordinate the utility side, and lay out the full scope before anyone opens a wall.
Nearly every panel in this town was sized for a house that ran on gas: one 240-volt circuit for the dryer, sometimes one for a range, everything else at 120 volts. The loads arriving now are different in kind. A car charger, a heat pump, a heat pump water heater and an induction cooktop are all 240 volts, most draw for hours at a stretch, and they land on a service with no room left. What settles the job is not the number on the panel door. It is the load calculation.
Novato's housing makes that concrete. The mid-century tracts, including the Eichler-era post-and-beam houses, sit on slabs with no attic and no crawl space, so there is no hidden route for a new feeder and every added circuit takes a visible path. Hamilton's build-out has newer wire, but those panels were specified before anyone planned on charging a car overnight. At Bel Marin Keys the gear lives in damp, salt-carrying air.
What follows is the sequence we run, with symptoms, cost drivers and rebates sitting inside the steps where they decide something.
What the first visit tells us about your service
Most people call because of something they noticed: a breaker that trips when the space heater and the hair dryer overlap, lights that dip when the air conditioner starts, a warm breaker, a humming panel, no open slot left, or two wires under one screw. In older Novato stock it may still be a fuse box, or a main disconnect outside by the meter feeding a second enclosure indoors.
Those are the symptoms. Our list is different, and it decides more.
The equipment itself. Two manufacturers turn up regularly in mid-century North Bay housing: Zinsco and Federal Pacific. Both companies are long gone. With no currently listed breaker available, "just add a circuit" stops being an option and the decision moves toward replacement.
The service, not the panel. The breaker panel is the visible part and the cheapest part. The service is everything upstream: conductors from the pole or the street, the mast and weatherhead overhead, the lateral underground, the meter socket, the grounding electrode system. A 200-amp panel fed by conductors rated for less is not a 200-amp service, and an inspector will catch it.
Where it sits. The California Electrical Code requires clear working space in front of and around electrical equipment, and Novato names that requirement in its own permit conditions. Lost clearance is the most common reason a panel here moves rather than simply gets swapped: it was set decades ago and a fence, a deck or a remodel has closed in on it since.
The wire behind it. Houses built in the late 1960s and early 1970s sometimes have solid aluminum branch conductors, which changes how every device gets terminated and belongs in the scope on day one. Bonding and grounding get checked the same visit: rods, the bond to the metallic water line, continuity across a repaired run of pipe.
We also ask what else is planned, because a charger, heat pump or water heater conversion on the horizon changes the sizing.

The load calculation that decides the size
This is where the job is settled. A dwelling load calculation totals general lighting and receptacle load from the square footage, adds the required small appliance and laundry circuits, then counts each fixed appliance: range, dryer, water heater, HVAC, well pump, spa, vehicle charging. Code demand factors are applied, because not everything runs at once, and the result is a calculated demand in amps measured against the service rating. An inspector will want to see it.
Two things make that arithmetic land differently here than on the coast.
The first is climate. Novato is one of Marin's warmer inland areas and carries more summer cooling demand than towns nearer the water, so a house here is far likelier to have real cooling equipment, a substantial 240-volt load a Sausalito calculation may not carry at all. A heat pump in Novato enters the math at its minimum circuit ampacity, before you pick a panel size.
The second is water heating. Novato sits fully inside the Bay Area Air Quality Management District, whose Regulation 9, Rule 6 established zero-NOx requirements for residential water heaters, with compliance dates arriving across 2027 and 2031 by size and equipment type. Nobody's gas water heater is banned. What is true is that the zero-NOx replacement most homeowners choose is a heat pump unit needing a 240-volt circuit the house lacks, so a water heater in Novato belongs in the calculation now.
The ten-year load list. Column one is what the house draws today, calculated properly. Column two is what is already decided: a car on order, a failing furnace, a remodel with a permit filed. Column three is what is plausible within a decade, such as a second vehicle or storage paired with solar. Column three tells us how much headroom to buy and whether to leave a spare feeder position.
Three outcomes fall out. If columns one and two fit the existing service with margin, you may not need an upgrade, and we will say so. If they overrun it, the service gets upsized. If they overrun it only because two large loads could run together, there is a third path.

I believe this is my 4th project with Ongaro & Sons so far. This time it was for an electrical issue and fortunately, they offer electrical services in addition to plumbing.
Paul K.
That third path is load management. A listed device, either a standalone controller or a smart panel such as a SPAN, keeps two large loads from drawing at the same moment, so calculated demand stays under what the existing service carries. Where upsizing would mean trenching a new lateral or relocating the meter, that is the difference between a contained job and a large one. It depends on the loads and on what the building official accepts.
The scope, and what moves the price
We publish no figures, because a number without a scope is meaningless and no two panel jobs here have the same scope. What is useful is knowing the variables, so you can read any proposal and tell whether the work is really the same.
Overhead or underground. An overhead service means a mast, a weatherhead and a riser, replaced if undersized for the new rating. An underground service can mean trenching a new lateral, where length, what sits on top and what gets restored are all work.
Whether the panel stays put. The largest single swing. A replacement in place is contained. A relocation, forced by clearance or by a utility requirement on the meter, adds a feeder run, penetrations, patching and finish repair.
The construction. On a slab-on-grade house with an open-beam ceiling and no attic, every new circuit takes a route someone will look at forever. Surface conduit, a chase, a soffit, or a subpanel placed to shorten runs all price differently.
How many circuits get touched. Landing existing circuits in a new panel can trigger arc-fault or ground-fault protection on some of them. A house with knob-and-tube remnants or ungrounded two-wire circuits carries more of that than a 1998 tract house does.
What else happens the same day. Adding an EV charger in Novato, a heat pump circuit, or a battery-ready backfeed position while the panel is open costs meaningfully less than three separate mobilizations. Same on a solar interconnection: if a system is coming, specify the panel for it now.
Finish repair. Stucco, siding, drywall, paint. Someone is doing it, and a proposal silent about it is not cheaper. It is incomplete.
The permit, and Novato's express path
A service panel is permitted work. No version of this job skips it, and unpermitted panel work becomes a problem at resale, at an insurance inspection, or the next time any permit is pulled.
Inside city limits the authority is the City of Novato Building Division, which moved permitting onto its Novato Permits portal, with online submittal available as of October 1, 2025. An account is required before filing, and the portal is where progress and inspection results show up.
Novato is unusual in a way that favors homeowners. The city runs an Express Building Permit service, and residential electrical panel replacement is a covered category. The condition is specific: the work must be like-for-like with no location change, and it must meet California Electrical Code 110.26, the working space requirement, plus PG&E Bulletin TD-7001M-B010 on the utility side.
Read those together and the consequence is plain. Qualifying for the express path is mostly a question of whether the panel can stay exactly where it is, which loops back to the clearance check from the first visit. A panel wedged behind a fence gate or in a closet without the required clear space in front of it is going to move, and once it moves the standard route applies. We confirm the category with the Building Division before filing.
Not every Novato mailing address is inside the city. Parcels in unincorporated Marin are permitted by the Marin County Community Development Agency through its own building permit process, so establishing which authority a parcel falls under is the first administrative step.
If a vehicle charger goes in on the same job, its permit runs on state law rather than local discretion. Government Code 65850.7 requires every California city and county to adopt an expedited process for electric vehicle charging stations, approve those applications administratively, and work inside statutory deadlines for when a small application is deemed complete and approved. Deadlines live in 65850.71, the section immediately following.

Install day
The power comes off. That is the shape of the day, and we say so when scheduling, because people plan around refrigerators, home offices and medical equipment.
The meter comes out under utility authorization, the old panel comes off the wall, and the new enclosure gets set. Mast and riser work happens here on an overhead service, lateral and conduit work on an underground one. New service conductors get landed, grounding electrode conductors get run, the bond to the water system is re-established, and every branch circuit is terminated.
Two things separate a good install from a fast one. The first is labeling: a directory reading "bedroom" on six circuits is not a directory, so circuits get identified, traced where the old labels are wrong, and written down accurately. The second is torque, because terminations tightened to the manufacturer's specification prevent the loose connections behind most heat damage inside panels.
If a battery, a generator transfer switch or a subpanel is in the scope, the interconnection and backfeed position are handled while the panel is open. PG&E may turn off power during severe weather to reduce the risk of its equipment causing a wildfire, through the program it calls a Public Safety Power Shutoff, and on the wooded edges of Novato standby power is a common reason a panel job happens at all. We are a Certified Generac Generator installer, and transfer equipment and panel get designed together.
I've used Ongaro & Sons for everything from electrical work to plumbing needs, and they're consistently fast, professional, and great to work with. Everything is communicated clearly, and the quality of work is always high.
Cody G.
Inspection, and the utility resealing the meter
The permit closes with an inspection, and until it passes the work is not finished no matter how good it looks.
Requests go through the same portal. The city's guidance is that only issued permits can be scheduled and that whoever requests the inspection must be a listed contact on the permit record, and the Building Division states it strives to provide next-day inspections when it can. Their inspection scheduling page is the reference.
The inspector checks what is easy to skip: conductor sizing against the service rating, the grounding electrode system, bonding, breaker sizing against the circuits they feed, arc-fault and ground-fault protection where required, working clearance as installed, and labeling. The jurisdiction then releases the job to PG&E, the meter goes back in, and the seal goes back on. We manage that handoff for you.
Afterward, incentives, and what the panel wants from you
Rebate paperwork happens at the end, and it helps to know what a panel upgrade does and does not qualify for.
There is generally no consumer rebate for a service panel by itself. Incentives in Marin attach to the electric appliance the bigger service makes possible rather than to the service, so MCE's heat pump rebates pay toward a heat pump or a heat pump water heater and nothing toward the panel feeding it. Budget it as its own cost.
Rate plans deserve a look the same week. PG&E's electric vehicle rate plans come in two shapes. EV2-A uses a single meter covering both the house and the car, off-peak from midnight to 3 p.m. daily. EV-B requires a second, dedicated meter separating vehicle usage from household usage, and that second meter is an electrical scope decision, so it belongs in the install conversation rather than a later bill. A third plan, E-ELEC, is built for homes adding an EV, battery storage or a heat pump, and trades a Base Services Charge for lower per-kilowatt-hour prices.
Maintenance is light but not nothing. Keep the working space in front of the panel clear permanently, because a fence or stored boxes added later turn a compliant installation into a code problem. Test GFCI and AFCI devices with their own buttons, and treat a repeatedly tripping breaker as information.
The Novato areas we work in
Hamilton. Housing built out on the old airfield site is comparatively recent, with modern wiring methods and equipment in reasonable condition. The constraint is capacity, not condition: those panels were sized for a gas-appliance house and filled fast once a charger and a heat pump arrived.
Bel Marin Keys. Waterfront lots put meter and panel equipment in humid, salt-carrying air, so enclosure rating and corrosion at terminations matter more than a few miles inland. Some parcels sit outside city limits, which changes the permit authority.
Indian Valley and the western hills. Wooded parcels, longer service runs and real Public Safety Power Shutoff exposure, so standby power and storage come up constantly.
Downtown, Old Town and the older tracts. Smaller lots, tighter side yards, panels set where nobody expected to need clearance. Relocations happen most often here.
Ignacio, Pleasant Valley and the later subdivisions. Consistent 1980s and 1990s construction, frequently 100 or 125 amp services that suited the original appliance set and no longer suit.
Choosing an electrician for this job
The sequence above doubles as a checklist for any proposal, including ours.
Ask whether they examined the meter, the service conductors and the grounding electrode system, or only the panel door. Ask to see the load calculation and which planned loads it includes, because a quoted panel size with nothing behind it is a guess. Ask what happens if the panel has to move. Ask who files the permit and with which authority. And ask who coordinates the inspection and the utility reconnection.
Then confirm the basics: a current C-10 license, workers' compensation and liability coverage, and a written scope naming the service rating, panel manufacturer, number of spaces and finish repair. We are Diamond Certified and hold a BBB A+ Rating.
What North Bay homeowners say
Two reviews from customers who used us across more than one trade:
Book a Novato panel upgrade
Tell us what you are planning: a car, a heat pump, a water heater conversion, or simply a panel with no room left. We will run the load calculation, confirm the permit authority for your parcel, and put a written scope in front of you. Book online to schedule the site visit. For related work in town, see Electrical in Novato and the full Novato service matrix. We do the same work throughout Marin County electrical, including electrical panel upgrades in San Rafael.
Your Comfort, Our Priority
Ongaro & Sons is your trusted heating, cooling, plumbing, electrical, and solar expert, specializing in reliable maintenance and repair services that keep your home running efficiently year-round.
Our certified technicians deliver unmatched expertise with fast, friendly service across Marin, Sonoma and Napa County. From HVAC tune-ups to plumbing repairs and electrical upgrades or solar solutions, we focus on energy-efficient performance and long-term comfort. Count on us to maintain the systems that power your home and keep your environment just the way you like it.
Licensed, Insured, Background-Checked
Our technicians are licensed, experienced, and trained to service all makes and models.
Locally Owned and Operated
Serving the Napa, Marin, and Sonoma communities with personalized, hometown service.
Reliable Repairs
We respond quickly and get the job done right the first time, with no surprises.
Since 1932
Why Ongaro & Sons?
Four generations of trusted home service. Open any reason to see what it means for your home.
Schedule Service →Family-owned in the North Bay since 1932
Four generations of the Ongaro family serving Marin, Sonoma and Napa County. We know these homes and the systems in them.
Licensed, insured, background-checked technicians
Every technician is fully licensed and insured, background-checked, and trained on the equipment we install.
Diamond Certified and BBB A+
Diamond Certified since October 2016, and BBB Accredited with an A+ rating since December 1995.
Mitsubishi Diamond Contractor Elite and Trane Comfort Specialist
Both top manufacturer tiers. That standing decides how registration and extended warranty terms are handled on the system you actually bought.
The price is agreed before work starts
You see the number before the work begins. Flat-rate quotes, no surprises and no pressure.
Comprehensive maintenance program
Members get priority scheduling, discounts, and proactive checkups that prevent costly failures.

Discount
Membership
Ongaro Maintenance Plans
Annual maintenance on your home systems provides safeguards and comfort to you and your family. Members get priority scheduling, discounts, and proactive checkups that catch problems early.
Member Discounts
5% off every repair and replacement, all year long.
Peace of Mind
Proactive checkups catch issues before they become big problems.
Courtesy Reminders
We call you to schedule: never miss a seasonal service.
Special Offers
Enjoy our seasonal promotions and save on your next service. Limited-time offers, don’t miss out!
From the Blog
May 7, 2026Ceiling Fan Direction In Summer: Which Way And Why
Ceiling fan direction for summer is counterclockwise: push air down for a wind chill effect, then raise the thermostat 4 degrees. The science.
Read More
May 1, 2026Wildfire Smoke & Indoor Air Quality In Marin & Sonoma
Wildfire smoke contains PM2.5 and toxic gases standard HVAC filters miss. What protects indoor air quality across Marin, Sonoma and Napa County.
Read More
Apr 29, 2026HVAC Permits In Marin And Sonoma County
Unpermitted work creates insurance risk and sale complications in Marin, Sonoma and Napa County. What permits protect and how to verify your contractor.
Read MoreNovato electrical panel upgrade questions
Who is the best electrician for an electrical panel upgrade in Novato?
We would point at the record: a company founded in Marin in 1932, a C-10 electrical license, Diamond Certified status, and 2,726 Google reviews at 4.8 stars. More usefully, ask any candidate for a written load calculation and a plain answer on whether the panel can stay put. Firms that give both in writing are your short list.
How do I know whether I need a full upgrade or just a breaker?
One circuit tripping under a genuinely heavy load may only need that circuit addressed. A service that cannot pass a load calculation with your planned appliances included has to change, and no amount of breaker shuffling fixes it. The calculation tells the two apart, so we run it first.
Do I need a permit to replace a panel here?
Yes. This is permitted work inside city limits and in unincorporated Marin alike. Novato takes applications through its online portal, and residential panel replacement can qualify as an express permit when the swap is like-for-like in the same spot. Relocating the panel means the standard application.
How long is the power off?
Plan on the working day. The meter is pulled, old equipment comes out, new service conductors and grounding go in, and every branch circuit is re-terminated before anything can be energized. When the day ends depends on the inspection and the utility reconnection, so we set that expectation early.
Can I install an EV charger without upgrading the panel?
Sometimes. If the load calculation shows the charger fits within the existing service, or a listed load-management device can hold calculated demand inside it, the panel stays. Run the math before you buy a charger. Charger permits also move on a statutory clock set by state law.
Why does the panel's location matter so much?
California Electrical Code 110.26 requires clear working space around electrical equipment, and the city names that requirement in its own permit conditions. Panels set decades ago often no longer have it, because a fence, a deck or an addition arrived later. If the clearance cannot be restored the panel relocates, which moves both the permit path and the scope.
Are there rebates for a panel upgrade in Marin?
Rarely for the panel alone. Marin's programs attach to the appliance a larger service makes possible rather than to the service, so MCE pays toward a heat pump or a heat pump water heater and nothing toward the panel feeding it. Its conditions are twelve months of ownership and residency in a single-family detached home, a participating contractor filing the application, and no retroactive claims. The county money that once rode along with a panel replacement is no longer available. Budget the panel as its own line.
My house is on a slab with no attic. Does that change anything?
Considerably. Mid-century construction here, including the Eichler-era post-and-beam houses, offers no concealed space for a new feeder or new branch circuits, so every path is visible and the layout decision is architectural as much as electrical. Surface raceway, a chase, a soffit or a well-placed subpanel all work, and you should see the plan first.
Does a Novato address always mean a City of Novato permit?
No. Some parcels with Novato mailing addresses lie in unincorporated Marin County, where the Marin County Community Development Agency issues the permit through its own process. The two authorities use different portals, forms and scheduling, so establishing jurisdiction is the first administrative step on any job.
Should a generator or battery be planned with the panel?
Yes, together rather than one after the other. Transfer equipment, backfeed breaker position, and which circuits stay live during a Public Safety Power Shutoff are all panel decisions. Settling them while the panel is open avoids a second service interruption and a second permit. This comes up constantly on wooded hillside parcels.