Why you should tell your insurer you have solar

Fast read

It's a good idea to include solar panels in your home insurance policy. Insurance companies usually see them as a regular part of your home. This is also not likely to increase premiums

You must inform your insurance company about your solar panel system. Provide them with details such as its value and manufacturer. To make a claim, the company requires evidence. This evidence should prove that the solar equipment was made by a trusted brand and installed correctly by an authorised company.

Keep records of your conversation with your insurance company. Keep records of any invoices and keep them in a safe place. This is in case you need them for a future claim.

Solar panel home insurance

Solar power systems are typically viewed by insurance companies as just another appliance or accessory in your home. Therefore adding solar to your home is not likely to add to premiums because insurers are normally willing to cover them at no additional expense and as part of your regular home insurance.

Home insurers’ attitudes and policies must be evaluated company by company, as policies, inclusions, and exclusions differ. Insurers can also be sometimes difficult to deal with when making a claim, as they are known to find loopholes and obscure reasons to obstruct a claim.

Sometimes, people in a hurry say, “I’ve got long term solar warranties with my solar system. So why bother to add it to my home insurance and maybe risk a premium increase due to the solar system addition?”

Advice about home insurance and solar panels

When it comes to safeguarding your solar investment, communication with your insurance company is key. By proactively reaching out and updating your policy to include the new solar system. You not only protect your property but also set the stage for potential discounts. Insurers give rewards for using solar systems in homes, which make them safer and more efficient, resulting in lower insurance costs.

Keep in mind that the current landscape of solar rebates and incentives may not be permanent, and their future status remains uncertain. Act now to add your solar installation to your insurance. This way, you won’t be surprised by government support changes.

In many cases in the past, I have not seen premiums increase due to the addition of a relatively lower-value solar system when compared with the overall value of a home.

You should tell your insurance about it, not just rely on the warranty cover. Severe weather, flooding, and large hailstones can damage your solar system. Such natural event damage, even a lightning strike on the solar inverter, is not covered by the solar product warranty but is an insurance matter. Especially if the insurer knows about your solar system.

One point to consider is if considerable changes to your home’s construction are being made to accommodate a solar system. Then maybe a complete re-assessment of their insurance coverage and the amount is recommended.

10kW residential solar system

In case of an insurance claim

Suppose your solar system or home is damaged. Your insurance will probably need proof that the solar equipment is from a trusted brand. They will also require evidence that it was installed correctly by an authorised company. Ensure you keep your solar system handover pack in a safe place to refer to it and the accompanying invoices when needed.

The company will want to ensure that the solar system’s use and installation are not to blame for the issues. So, while it may appear enticing to save a few bucks today by cutting shortcuts and going for cheap solar. The safety and security of your home and family mean that such savings could provide a false economy.

Maintaining meticulous records of your interactions with company representatives is essential for future claims. After contacting the company, diligently note down the date, time, and a summary of the conversation, including the name of the operator if available. This comprehensive documentation serves as a valuable reference, providing clarity and evidence in case of disputes.

By recording these details, you create a reliable trail of communication that not only aids in addressing immediate concerns. It also strengthens your position in potential future claims. This proactive approach provides you with a well-documented record of your interactions. It gives you peace of mind and a strategic advantage when necessary. All this documentation can be beneficial in case of any future claim.


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