Garden State Solar Insurance

A complete checklist to ensure a smooth and successful insurance claim process Pre-Claim Preparation: Setting the Stage for Success    New Jersey homeowners with solar panels should approach insurance claims with the same preparation as any major financial transaction because that’s exactly what it is. Long before storm clouds gather, conduct a thorough policy review with three critical questions: Does your dwelling coverage reflect your system’s current replacement value? Are there exclusions for perils common in your area (like coastal wind or inland hail)? Does your policy cover just the panels or the full system including inverters and wiring? Many Voorhees and Princeton residents discover too late that their 2018-era policy doesn’t account for today’s higher equipment and labor costs. Proactive homeowners schedule annual documentation updates high-resolution photos of all panels, copies of maintenance records, and system performance reports. These become your "before" ev...