Hello all. New user to the forum here. Been electrician for 25 years and last 10 a contractor. I have a question regarding UL listing on not matching breaker type to sub panel type used. I recently was called out to repair a HO accident in a brand new home. He was mounting a mirror and drilled a wire causing arc fault trip in garage sub panel. Upon arriving, found sub panel to be homeline but every breaker in it was Eaton. I informed him this would void his UL listing in his panel and potentially be an issue if he ever had to claim home insurance. Since the builder was still constructing homes in the area he came over and I showed him the issue. He told me I’m wrong but I feel if he has his EC doing this in all homes in the area, there could troubles ahead if any owner has electrical issues and needs to claim insurance. As a side note, this home passed new construction inspection and sticker was posted on panel door. Thanks in advance for comments.