Path-Q Solar

How can I verify that a solar installer carries coverage for damage to my property?

Answer

Request a certificate of insurance issued directly by the insurer or broker, confirm that the installer is the named insured, and verify that the policy includes appropriate liability and completed-operations coverage for the work. Ask whether subcontractors are covered and whether the limits and exclusions fit your property and project.

Key points

  • Check policy types, limits, effective dates, exclusions, and the insured legal entity against the contract.
  • Ask for workers' compensation evidence where applicable and confirm that subcontractors carry their own coverage or are covered by the installer.
  • Confirm who pays deductibles and whether damage to roofs, structures, landscaping, and existing electrical equipment is addressed.
  • Do not treat a certificate as proof that every claim is covered; the policy wording controls.

What it depends on

  • Installer and subcontractor legal entities
  • Project scope and property conditions
  • Policy terms, exclusions, and limits
  • Contract indemnity and responsibility provisions

Risks and trade-offs

  • Coverage may exclude faulty workmanship itself while covering resulting property damage.
  • A policy can expire, have inadequate limits, or name a different company than the contracting party.
  • Waivers, broad exclusions, or unclear subcontractor responsibility can leave recovery uncertain.

Information you may need

  • Installer contract and legal business name
  • Certificate of insurance and insurer or broker contact
  • Planned scope, access conditions, and known property risks
  • Subcontractor list and contract responsibility for damage

Your next step

What to do next

Have your insurer, broker, or attorney review the certificate and relevant policy endorsements, and require updated evidence before work begins.

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Some details may depend on your location, installer, utility, incentives, regulations, or specific property.

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