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Challenger panels

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I'm sure this has been discussed, but here goes.
Concerning the insurance companies crack down on FPE, Zinsco, Challenger, panels. I've done many replacements recently because of non-renewal if you have these panels. I just looked at one today, A challenger 200amp 30/40. But it had all full size breakers. I've only seen problems with those nasty half size style with the clips on the side. I could just replace it and the owner would not think twice because of the insurance co. report. I don't know of these full size breakers being a problem. Any other issues that would warrant full panel replacement?
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