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Insuring the solar system

The attitudes and polices of insurers towards solar needs to be considered on a company by company basis as policies do vary. However, as a general rule the majority of insurers see solar systems as just another fixture or fitting to your home and are usually perfectly happy to cover them, often at no additional cost to existing household policies.

However, if major alterations are being made to the structure of your home to accommodate a solar system (eg additional bracing to the roof frame), this may require a re-assessment or engineering certification. In the event of a claim for damage to your solar system or to your home (where a solar system is fitted), it is inevitable that your insurer will request evidence that the solar equipment is made by a reputable manufacturer and installed according to all relevant standards by certified and licenced contractors. They will want to assure themselves that the use and installation of the solar system has not caused the problems. So although saving a few dollars today by cutting some corners or using the lowest cost supplier on the market might seem attractive, it may be a false economy.

Make sure you confirm in writing that your solar system is covered on your policy and what if any specific requirements your insurer has, and always make sure the products and services you select are capable of withstanding scrutiny in case of future problems.