Answer
Aug 11, 2020 - 01:24 PM
Because you do not own the solar PV system with a PPA agreement, the insurance is maintained by the solar company and you do not need to contact your homeowner’s insurance company. If you choose a customer owned system, it becomes part of the structure of the home, and you should inform your homeowner’s insurance company. In some cases, they may add a small fee to cover the solar system, but most likely they will not. The homeowner’s insurance would be liable if for instance, a tree fell on your roof and smashed some of the panels.
