Path-Q Solar
What insurance information should I request before installing solar on a rental property?
Answer
Ask the insurer how the proposed panels, inverters, batteries, roof penetrations, tenant exposure, construction work, and loss of rent will be covered, and what exclusions, deductibles, endorsements, and contractor requirements apply. Obtain confirmation in writing before work begins.
Key points
- Confirm property coverage for equipment damage, roof or water damage, theft, fire, and weather events.
- Review premises and construction liability, tenant injury, contractor injury, and damage to neighboring property.
- Ask whether batteries or electrical upgrades require separate underwriting or safety documentation.
- Verify contractor certificates, additional-insured requirements, and post-installation inspection requirements.
What it depends on
- System type, location, and ownership
- Battery presence and electrical scope
- Property construction, tenant use, and roof condition
- Policy terms and insurer underwriting requirements
Risks and trade-offs
- A policy may cover the equipment but exclude resulting roof or water damage.
- Higher limits, endorsements, or deductibles can change project economics.
- A contractor's insurance does not replace the landlord's property and liability coverage.
Information you may need
- System design and equipment specifications
- Installer contract and certificates of insurance
- Current property policy and loss history
- Written insurer coverage and underwriting requirements
Your next step
What to do next
Provide the insurer with the design and installation contract and request a written coverage review before signing off on construction.
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Some details may depend on your location, installer, utility, incentives, regulations, or specific property.
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