Garden State Solar Insurance

Learn how to properly document damage, navigate claims, and avoid common mistakes from insurance professionals Filing a successful solar panel insurance claim in New Jersey requires understanding both your policy coverage and the claims process. Most standard homeowners policies cover roof-mounted solar systems under dwelling protection, but insurers frequently deny claims citing pre-existing damage or improper installation. To counter this, immediately document all damage with timestamped photos and videos from multiple angles, capturing both close-ups of panel cracks or wiring issues and wide shots showing the full system context. Obtain a professional assessment from a NJ-licensed solar contractor before filing  their repair estimate serves as a crucial benchmark when negotiating with adjusters. New Jersey's 2024 insurance regulations require insurers to consider solar panels as permanent structures, but many adjusters remain unfamiliar with solar technology's valuation. Pre...