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Solar Panel Insurance Claims



A Step-by-Step Guide to Getting Compensated in New Jersey

As a New Jersey homeowner with solar panels, you’ve made a smart investment in renewable energy. But what happens when storms, hail, or accidental damage affect your system? Navigating the insurance claim process can be tricky but I’ll guide you through every step to ensure you get the compensation you deserve.  

In this guide, you’ll learn:  

Does homeowners insurance cover solar panels in NJ?

Step-by-step claims process 

Common reasons claims get denied (and how to avoid them)

Tips to maximize your payout

Does Homeowners Insurance Cover Solar Panels in New Jersey?  

Most standard NJ homeowners insurance policies cover solar panels under dwelling protection, but there are exceptions. Key factors that affect coverage:  

Roof-mounted vs. ground-mounted systems (roof panels are usually covered, while ground systems may need extra coverage).  

Leased vs. owned panels (if leased, check the solar company’s policy).  

Cause of damage (storms, fire, and vandalism are typically covered; wear and tear usually isn’t).  

Pro Tip

Review your policy or speak with an agent to confirm coverage before filing a claim.  

Step-by-Step Solar Panel Insurance Claim Process

Assess the Damage & Document Everything

Before filing a claim 

- Take photos/videos of the damage.  

- Check for cracks, wiring issues, or inverter problems.  

- Keep receipts for any emergency repairs.  

Contact Your Insurance Provider  

- Report the damage as soon as possible.  

- Provide policy details, photos, and a description of the incident.  

Schedule an Adjuster Inspection 

- The insurer will send an adjuster to assess the damage.  

- Be present during inspection to point out all issues.  

Get Repair/Replacement Estimates

- Obtain at least two written estimates from licensed solar contractors.  

- Submit these to your insurer for approval.  

Review the Settlement Offer 

- If the offer is too low, negotiate with supporting evidence.  

- If denied, you can appeal with additional documentation.  

Complete Repairs & Finalize Claim

- Once approved, hire a certified solar installer.  

- Keep all receipts for reimbursement.  


Common Reasons Solar Panel Claims Get Denied (And How to Avoid Them)

Pre-existing damage Document panel condition before incidents.  

Improper installationUse licensed NJ solar contractors.  

Wear & tear exclusions Regular maintenance helps.  

Insufficient documentation Take before/after photos.  

Maximizing Your Solar Panel Insurance Payout 

Review your policy limits Ensure coverage matches your system’s value.  

Add an endorsement if needed for full protection.  

Work with a public adjuster if the claim is complex.  

Filing a solar panel insurance claim in New Jersey doesn’t have to be stressful. By following this guide, documenting damage, and working with the right professionals, you can secure a fair settlement.  



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