Beware Solar Panels and Homeowners Insurance

Do you know what has been the hardest part about getting my new solar photovoltaic system put on my house?  Homeowners insurance.

How often do we really think about our homeowners insurance?  For me, not very often.  Like once in fifteen years when I made a claim after a massive hailstorm left almost every house in the area with a need for a new roof and siding.

So, there I am a customer of fifteen years with one claim to my name looking to switch insurance providers.  Why?  The company I had been with does not insure homes with solar panels installed on the roof.  Ground mount installations would be fine.  Even an installation on a non-attached garage would have been fine.  However, mounted on my west facing attached garage roof was a bridge too far for the insurance provider.

How far?  Like no consideration at all of insuring a home with solar panels even with a policy rider or similar insurance vehicle.  Like no consideration for the fact that I was a long term customer with multiple policies.  No way, no how.

The problem with all of this is that the solar installer requires a certificate of insurance to begin an installation.  If your insurance company will not insure your home when it has solar panels you are forced to switch providers with all of the relevant switching costs and hassle in order to begin the installation.  Consider it another hassle or hurdle to the broad installation of solar panels across the United States.  Every impediment is a step backwards on the path to a cleaner future.

This is the challenge for distributed rooftop solar.  Balance of system costs and hurdles, e.g. those costs and impediments that are not directly attributable to the PV panels or related hardware, will be what determines the ultimate penetration rate of distributed solar.

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