Homeowner’s Insurance and PV systems
Yesterday, I contacted my homeowner’s insurance company – New Jersey Manufacturer’s Insurance – in order to let them know that I was installing a solar electric grid-connected system.
Clearly, I’ve run into another educational gap. The poor representative that I spoke to had no idea what I was talking about.
Back in January, I called them to see if I needed to do anything with my homeowner’s insurance. At that time, I needed to explain the system for a few minutes and I was told that I didn’t need to change my policy in any way – I just needed to call back to let them know that I was installing the system.
Yesterday, I called back. The representative that I got took a little information (not much beyond “solar electrical system”) and went to talk to her supervisor. About 10 minutes later, she came back. She needed a semi-detailed explanation of how the system works (panels to inverter to main breaker box, and she needed LOTS of info on utility interconnection). She wrote down every word that I said and went back to her supervisor. After another 5 minute wait, she came back and told me that I was approved (whatever that means), and that I didn’t need to do anything else. She also said that she and her instructor thank me for help understanding the system.
We need a pamphlet, or a class, or something
I think I’ve come to the realization that there are two holes in the NJ solar educational process:
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1. Local Inspectors/code officials – mine thought I needed a transfer switch for a grid-connected system
2. Insurance – they don’t know what to make of it
Once my system is completed and approved, I think I may write a letter to the NJ BPU, with these suggestions:
1. When a new application is approved, in addition to sending the approval to the applicant, a copy is sent to the local planning department/building department/etc. Included is a letter offering to assist with the evaluation of the permit application and/or an invitation to a training session. Some local folks may be annoyed by this (“I know how to do my job, I don’t need any interference.”), but hopefully the others will understand what they are asked to approve before the permit application appears.
2. The BPU should put together a pamphlet with the basics of PV grid-connected, stand-alone, and battery backup systems. This should be sent to the appropriate person at all homeowner’s insurance companies doing business in the state.
I know that this would add expense, but the BPU and industry are already working to increase the number of trained installers (see my previous article). It makes sense to me that they have to beef up the rest of the installation infrastructure – and that they should start with municipal building departments.
Comments
2 Comments on Homeowner’s Insurance and PV systems
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insurance on
Tue, 7th Jun 2005 4:35 am
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Betsy Markum on
Tue, 15th Nov 2005 9:03 pm
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I can’t believe it, my co-worker just bought a car for $42468. Isn’t that crazy!
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