June 25, 2015

Are Your Solar Panels Covered Under Your Home Insurance?

Solar water heating system on the red roof. Gelio panels.

Home Insurance and Solar Panels

Installing solar panels on your house is one of the best ways to lower, or completely eliminate your energy bill, while also being a little more environmentally friendly. However, before you install solar panels on your roof, it is important to make sure you know how they will affect your homeowner’s insurance policy.

If you are thinking about going solar, check with your local community to make sure that there are no restrictions on solar energy in your neighborhood. You may have to submit your plans to your community and get them approved before you are able to move on with the project. Make sure that you completely understand the permitting process and are complying with any local codes before you start on the construction.

It is also important to make sure that you know how solar panels will affect your homeowner’s insurance policy. In most cases, residential solar panels are covered by standard home insurance policies, as long as the panels are professionally mounted on the roof. Talking with your insurance agent can ensure that your existing policy will provide coverage. If you are planning on installing a ground mounted system, you will need to invest in additional coverage.

Even if you are installing a roof mounted system, you may still need to adjust your coverage to ensure that you have the right amount of protection. You should also talk with your agent about any issues that may affect your existing coverage while the panels are being installed, such as holes in your roof.

For all of your homeowner’s insurance needs when installing solar panels, contact the insurance experts at Brewer-Lloyd Insurance Group in Mesa, Arizona. We will work with you to make sure that you have the protection that you deserve for your specific situation, all at the right price.