Get matched with top solar panel pros in Stewardson, IL

Insurance companies aren’t against solar panels, but they may have concerns about the risks and costs of insuring solar. The type of policy, where you live, and the insurance company itself matter. Extreme weather can damage solar panels, and faulty installation or electrical malfunctions pose a fire risk—this, in turn, can increase insurance company liability and payouts. However, you’re likely to keep coverage as long as you have a pro install the solar system, keep it maintained, can pass a solar panel inspection, and update your homeowners policy to include solar.

There are a few great questions to ask a solar contractor or inspector when you speak to them. You’ll probably want to find out about the energy yield and efficiency of your array, ensuring the actual output matches the amount you calculated when installing the array in the first place. It’s also a good idea to find out about any damage or wear and tear on the array and to inquire about how soon you need to make repairs or replacements to essential components.

In most states, solar installers need to be licensed and insured as solar professionals, although some states don’t have specific requirements for installers. You can use our state licensing tool to check if an installer you’re considering hiring holds the proper licensing. No matter where you live, a member of your solar panel installation company must be a certified electrician to connect your panels to your home and the electric grid.

In most cases, solar panels are covered by homeowners insurance because they are considered a permanently attached part of the home, and you may not need additional coverage. However, it is essential to read the fine print of your specific policy to understand the extent of the coverage, as some policies might only cover certain types of damage, such as hail. Always check with your insurance provider before installing solar panels to ensure your policy provides adequate coverage for your investment.