The commitment to solar energy and different self-consumption solutions are in trend More and more households decide to take the step and invest in a clean, sustainable and affordable energy. As he residential self-consumption as industrial self-consumption They are experiencing a very significant increase not only in our country, but in the entire European and Western environment. It\’s a good time to review that we have protected installation and check insurances and guarantees that cover solar panels.
I have seen in different articles profitability of home installations. It is true that they are different gRANTS that can be used to help encourage citizens, we really have financing formulas very attractive to avoid the need to make the initial expenses. But the reality is that solar panels have a high price, and despite the guarantees of manufacturers and installers, it is advisable to look at the possible formulas to ensure same.
We usually think of insurance (home, car, health, life…) when it comes to renew them or when an event occurs that forces us to review the fine print of conditions to know if a certain aspect is covered or not through the policy subscribed to the insurer.
In this article we will see How can we secure our plates and what kind of guarantees there is.
Do I need specific insurance for the tiles or does my home insurance cover them?
Home insurance clauses usually make the difference between the container and the contents of a property when it comes to covering potential risks. He continent all are considered elements that are part of the construction of the house and that are fixed. For example, the structure, walls, floors, windows, plumbing and electricity, etc. Meanwhile he content would be the one furniture and other goods what is inside the house.
It seems logical to consider this Solar panels, being a fixed installation, are considered as a container and are a permanent part of the electricity installation. This means that the solar panels have the same coverage as all other building elements.
But this is not always the case.
As some companies specifically exclude some components in particular conditions and there always is possibility of misinterpretationit\’s best to check with your company to verify that your home insurance not only covers these components, but that the scope of that coverage needs to be evaluated.
Since they are mostly located on roofs and roofs, the panels suffer not only bad weather but also his exposure to theft or vandalism. That\’s why you have to review the specific conditions contact the insurance company to see the policy exclusions. Where installation photovoltaic was realized later when signing the insurance, it will be necessary to notify them to include it as it involves a policy change. The plates are a factor that directly influences the price of home insurance and if their existence is not communicated, they can remain unprotected.
Solar panel warranty
When examining warranties offered on solar panel installations it is necessary to carefully examine what they cover. On the one hand, there is guarantee in the correct operation of the product and on the other hand the performance and production warranty. In the P.O.W A 25-year power warranty is offered on the solar panels, a 5-year warranty on the PV inverter and 12 on the plant structure. These guarantees they are not related to the achievement or not of maintenance of the plates.
It\’s important to perform periodic revisions of the installation, as well as monitoring the monthly performance of the facility to detect anomalies in it. Is very interesting real time monitoring which provides P.O.W in all its facilities and which provide monthly reports that allow the evaluation and prevention of possible incidents.
When neither home insurance nor warranty covers my installation
There are several companies that specialize in renewable energy assurancecone specific solutions for photovoltaic installations. Among the insurances offered by some of these companies we find:
- Property damage insurancewhich covers damage to the panels as well as damage caused by attempted theft or vandalism.
- civil works insurancecovers those cases where there is a problem with the installation carried out on the roof or building cover.
- Finally, we leave liability insurance that it is an insurance Mandatory for all solar panel installations and that covers the possible damage to third parties resulting from my installation. This insurance must be subscribed before the installation is connected to the electrical distribution network.
In the P.O.W We work daily to provide a project with all guarantees so you don\’t have to worry about anything. It is important to know the scope or coverage of home insurance to check what kind of facility damage it covers. If you have any questions or you need expert advicedon\’t forget to contact us team.
