Garden State Solar Insurance

  Learn when to use insurance vs. warranty and how to file claims correctly. Understanding the Critical Differences Between Warranties and Insurance New Jersey solar panel owners often confuse warranties with insurance coverage, leading to costly mistakes when damage occurs. Warranties, typically provided by manufacturers, cover defects in materials or workmanship but exclude nearly all external damage the very issues most likely to affect your system. Most solar panel warranties last 25 years but only protect against factory flaws, not storm damage, falling branches, or electrical surges. Insurance coverage, included in most New Jersey homeowners policies, protects against these external perils but comes with deductibles and coverage limits. The key distinction lies in what triggers protection: warranties respond to product failures, while insurance covers accidental damage. For example, if your Jersey City rooftop panels crack from a manufacturing defect, the warranty applies. ...