Answer
Sep 20, 2020 - 10:04 AM
It depends on whether you purchase your system outright (customer-owned system) or get solar through a Power Purchase Agreement (PPA).
With a PPA, bcecause you do not own the solar PV system with a PPA agreement, the solar company maintains the insurance, and you do not need to contact your homeowner’s insurance company.
If you choose a customer-owned system, you should inform your homeowner’s insurance company. In some cases, it may add a small fee to cover the solar system, but they probably will not. The homeowner’s insurance will typically pay if the system is damaged just as it would for any other aspect of your house, but you need to check your specific policy.
With a PPA, bcecause you do not own the solar PV system with a PPA agreement, the solar company maintains the insurance, and you do not need to contact your homeowner’s insurance company.
If you choose a customer-owned system, you should inform your homeowner’s insurance company. In some cases, it may add a small fee to cover the solar system, but they probably will not. The homeowner’s insurance will typically pay if the system is damaged just as it would for any other aspect of your house, but you need to check your specific policy.
