Solar & Home Insurance: What Homeowners Need to Know

Installing solar raises a common question: Does my home insurance cover the panels? Short answer: usually yes, but you should confirm details to avoid surprises (make sure you add your panels to your current home insurance policy). This blog will discuss key things to check with your insurer post solar installation.

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Typical Coverage

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Most standard home insurance policies include attached solar panels as part of dwelling coverage (similar to roof fixtures). But limits and deductibles may vary.

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What To Ask Your Insurer

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• Are panels covered under my current policy? If you purchased a home with panels already installed this may be the case.
• Does coverage include theft, hail, or impact damage? Try to understand the full scope of the available coverage.
• Will installing panels increase your premium? The likely answer is yes but often times the change to your premium will be slight.
• Are there exclusions for roof-mounted equipment?

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Document Everything

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Keep invoices, manufacturer warranties, and installation reports in case of future claims. Photos before and after installation are also helpful.

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The more documentation you have the more prepared you will be for claims and coverage discussions in the future.  

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Liability and Workmanship

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Installers should carry liability insurance and provide proof. Workmanship or installation defects might fall under installer warranty rather than homeowner insurance. Your installer should be able to answer any questions you may have regarding this issue.

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Replacement & Totals

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If the roof must be replaced, confirm whether insurance covers panel removal and reinstallation or whether that's a homeowners cost. When hail storms occur like they usually do in the north of Calgary, roof replacement is a common insurance claim. If you have solar it is important to know how this process will work if you are in a hail prone area. 

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Tips to Minimize Risk

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• Choose certified, trusted installers like Orizon Energy
• Ensure proper mounting rated for local snow/wind conditions
• Maintain panels and keep records of inspections

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Most homeowners can add or confirm solar coverage with their current insurance provider quickly. A short call to your provider after installation protects you and clarifies responsibilities. The one thing to remember is to never assume your coverage extends to your panels, always ask to be sure. 

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