Path-Q Solar

What insurance should a solar installer carry for damage to my property?

Answer

At a minimum, ask for evidence of current commercial general liability coverage, workers' compensation coverage where required, and appropriate vehicle or other coverage for the work being performed. The policy limits, exclusions, additional-insured status, subcontractor coverage, and claims process matter more than the policy names alone.

Key points

  • Request a certificate of insurance directly from the insurer or broker, not only an informal statement from the installer.
  • Confirm that coverage remains active through the installation period and includes roof, electrical, water, and other property damage relevant to the work.
  • Ask how subcontractors are insured and who is responsible for damage caused by them.
  • Insurance does not replace the installer's workmanship warranty or a clear contract allocation of responsibility.

What it depends on

  • The installation scope and property risks
  • Whether the installer uses subcontractors
  • Applicable insurance, licensing, and construction requirements

Risks and trade-offs

  • A certificate may not reveal all exclusions, deductibles, or coverage limitations.
  • Uninsured or underinsured damage can create disputes among the homeowner, installer, subcontractor, and insurer.
  • Adding a homeowner as an additional insured may be subject to policy terms and may not cover every claim.

Information you may need

  • Certificate of insurance and policy period
  • Coverage limits, deductibles, exclusions, and additional-insured terms
  • Subcontractor insurance information
  • Installer license and complaint or disciplinary information where available

Your next step

What to do next

Have the installer's broker or insurer confirm coverage for the specific project and ask a local insurance professional whether the requested limits and endorsements are adequate.

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

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