Here’s How Solar Panels Are Covered Under Home Insurance

It’s no secret that solar panels can yield plenty of benefits including the ability to save you money, but what about home insurance coverage? If you’re wondering whether solar panels are or aren’t included in your policy, the short answer is yes. However, it all depends on the situation. The experts at Solar Bear Houston will teach you how solar panels are covered under home insurance.

What Counts Under Home Insurance Coverage

Like with many legal documents and agreements, your home insurance policy may only include your solar panels under certain conditions. Thankfully, these conditions are not difficult to comprehend and follow. The important thing is that you reach out to your home insurance company as soon as you get your panels installed so you can start reaping the benefits. Other than that, it really just comes down to how you install them and the type of damage that may occur.

Proper Installation

Most solar panels are directly attached to the roof of your property, in which case you’ve already accomplished the first step in receiving coverage. If the panels aren’t attached to your roof, like if you were to opt-in for ground installation, then there’s a good chance your home insurance company will deny you coverage. Ground installation for solar panels isn’t highly recommended anyway since it’s more difficult for them to be in direct view of the sun which is essential for them to work effectively.

Types of Damages

Most home insurance companies will only take care of what they refer to as “covered perils” which include certain damages like that from fire and hail. Wear and tear usually isn’t covered since that’s a natural occurrence that happens over time. Some damages from more extreme weather conditions such as flooding and earthquakes may require the purchase of additional policies under your current insurance plan, but are still possible.

Possible damages covered under home insurance involve:

  • Fire
  • Hail
  • Theft
  • Vandalism
  • Water
  • Falling objects
  • Lightning strikes
  • Ice or snow

To be completely sure of what is covered by your insurance, it’s best to contact your insurance company and ask directly.

Why You Need a Licensed and Insured Contractor

During the installation process, it’s possible to experience roof damage especially if you hire unlicensed workers or attempt self-installation. If this happens, your insurance will likely not cover the damages. You can avoid these types of damages altogether by hiring licensed, certified, and insured professionals who are skilled and experienced in solar panel installation and are more likely to have the appropriate equipment to get the job done swiftly and accurately. Finding such a company with qualified contractors is as easy as looking up solar panel companies near you and scoping out their credentials. You can also give them a call to test their customer service before you commit.

The Best Solar Panel Company Near You

Looking for the best solar panel company for quality products and impeccable service? Solar Bear Houston is staffed by qualified contractors to ensure guaranteed satisfaction with every installation. Call Solar Bear Houston today for a free estimate!