Oops! Your Balcony Solar System Malfunctioned: What's Covered and What's Not?
Which law enforcement agencies handle different responsibilities?
No worries if your solar panel on the balcony is working like a jerky ride at an amusement park or worse, causing trouble. But, what about damages to the building, injuries, or even the system itself? Let's find out what insurance policies have got your back.
Building damage and personal injuries
Curious if your private liability insurance covers balcony solar-related issues? Many policies do, with a wink and a nod. If you're unsure whether you're covered, ring up your insurer and double-check, preferably in writing for good measure. Common repairs covered usually includes:
- Structural damage to common areas or rentals due to your solar panel, like fires or falls
- Injuries caused by the solar panel
- Lawsuits from third parties due to damages caused by your solar panel
- But, intentional damage ain't covered, mate.
Pro tip: Don't forget to ask your insurer if damages resulting from the operation of the plant, like house electrical installation issues, are covered too.
Fixing your solar system
If your solar gadget takes a hit, your household contents insurance tends to step in, especially starting from November 2023, according to the Association of German Insurers (GDV). Check your contract conditions or give the insurance company a bell for peace of mind. The system damage covered usually includes:
- Dents from hailstorms
- Fire damage
- Storm-caused damages
- Overvoltage damage after a lightning strike
Additionally, an electronic gadget insurance may offer some extra protection, covering intentional destruction by rascals, operational errors, construction flaws, and materialfailures.
Hint: Keep your household contents insurance in the loop about your balcony solar project and protect that confirmation like a treasure map, just in case.
Damages caused by intention? They're not covered by either policy. Remember that rule from your mama: "Never throw tantrums or pull wires, kiddos!"
Sources: ntv.de, awi/dpa
Further insights
- Most standard homeowner's or renter's insurance policies cover property damage caused by a range of perils, including balcony solar systems, provided there's proper disclosure to the insurance provider[1].
- Liability coverage in homeowner's or renter's insurance typically applies to injuries to guests or third parties on the property, as long as the solar equipment is installed and maintained according to local codes and manufacturer instructions[3].
- It's essential to use certified professionals for installation, adhering to local building codes and manufacturer guidelines to maintain insurance coverage eligibility[3].
- renters may need permission from landlords or property management to install solar panels, and some HOAs have specific rules regarding balcony solar installations[3].
- Always check local regulations regarding safety, wattage limits, and plug-in systems to ensure compliance and maintain insurance coverage[3].
[1] Insurance Information Institute. (2021, March 1). Property insurance coverage for solar panels. Retrieved from https://www.iii.org/article/property-insurance-coverage-solar-panels
[3] SolarReviews. (2021, May 13). An overview of repair and warranty coverage for solar panels. Retrieved from https://www.solarchoicesinternational.com/solar-reviews/overview-repair-and-warranty-coverage-for-solar-panels/
- It's worth checking with your insurance provider if your employment policy covers damages or issues related to solar panel installations at your place of business, as many businesses may not be aware that this could be a covered expense under their current insurance policy.
- A comprehensive community policy may include coverage for damages caused by solar panel installations in common areas, ensuring that any potential issues with the system do not lead to disputes within the community or additional costs for the property owner or management.
