How to File a Solar Panel Insurance Claim (Complete Process Explained)
Discover the essential steps, documents, and tips for a successful claim
Understanding Solar Panel Insurance Claims in New Jersey
Solar energy systems are a significant investment, and when damage occurs due to storms, hail, or accidents, knowing how to navigate the claims process is crucial. In New Jersey, most homeowners insurance policies cover roof-mounted solar panels under the dwelling protection section, but coverage for ground-mounted systems may require an add-on. The key to a smooth claim is proper documentation, timely filing, and understanding your policy’s fine print. Whether your panels were damaged by Hurricane Ida’s remnants or a fallen tree, this guide will walk you through every step from initial inspection to final payout so you can recover your losses efficiently.
Step-by-Step Guide to Filing a Solar Panel Insurance Claim
Inspect and Document the Damage
Before contacting your insurer, thoroughly inspect your solar panels for cracks, loose wiring, or inverter malfunctions. Take clear photos and videos from multiple angles, noting the date and cause of damage (e.g., hail, wind, fire). If temporary repairs are needed (like covering broken panels to prevent further damage), keep all receipts these may be reimbursable.
Review Your Insurance Policy
Check whether your NJ homeowners insurance covers solar panels and if there are any exclusions (e.g., flood damage requires separate coverage). Look for:
Coverage limits (does it match your system’s value?)
Deductibles (will the repair costs exceed them?)
Leased vs. owned panels (if leased, the solar company may handle claims)
File the Claim Promptly
Contact your insurer within 48 hours of discovering the damage. Delays can lead to denied claims. Provide:
1 Your policy number
2 Photos/videos of damage
3 A detailed incident description (e.g., "Hailstorm on [date] caused cracks in 3 panels")
Meet with the Insurance Adjuster
The insurer will send an adjuster to assess the damage. Be present during the inspection to point out all issues. If the adjuster’s estimate seems low, negotiate with contractor quotes (get at least two from NJ-licensed solar installers).
Approve Repairs and Finalize Payment
Once your claim is approved, hire a certified NJ solar contractor for repairs. Some insurers pay contractors directly; others reimburse you. Keep all invoices and confirm the work is completed before closing the claim.
Common Challenges & How to Overcome Them
Many NJ homeowners face claim denials due to:
Pre-existing damage Document your panels’ condition annually.
Improper installation Always use licensed solar installers (check NJ state licenses).
Insufficient evidence Submit timestamped photos and maintenance records.
If your claim is denied, appeal in writing with additional proof (e.g., a second opinion from a solar technician). For complex cases, consider hiring a public adjuster specializing in solar claims.
Q&A: Solar Panel Insurance Claims in NJ
Q: Does NJ homeowners insurance cover solar panels?
A: Most policies cover roof-mounted panels, but ground-mounted systems may need extra coverage. Review your policy or ask your agent.
Q: What if my solar company leased the panels?
A: The leasing company typically handles claims, but you should still report damage to your insurer in case of roof damage.
Q: Will filing a claim raise my premiums?
A: Not necessarily. Weather-related claims (e.g., hail) usually don’t affect rates, but multiple claims might.
Case Study: A Successful Solar Panel Claim in NJ
Scenario: A Cherry Hill homeowner’s solar panels were damaged by a **falling tree branch** during a nor’easter. The insurer initially denied the claim, citing "wear and tear."
Solution: The homeowner:
1. Provided before/after photos from a recent solar inspection.
2. Submitted a repair estimate from a licensed NJ contractor.
3. Hired a public adjuster to contest the denial.
Result: The insurer approved a $8,200 payout, covering full panel replacements.
Final Tips for NJ Homeowners
Prevent denials with annual solar system inspections.
Add an endorsement if your policy’s coverage is insufficient.
Act fast NJ has strict deadlines for claims after storms.
Need Help? Contact me for a free policy review to ensure your solar panels are fully protected!