Balcony Solar Power Mayhem: Sorting Out Insurance for Damages
Which law enforcement agencies handle which duties?
In the event your balcony solar power plant encounters a hiccup, such as destructive weather or unintentionally injuring someone, understanding insurance coverage becomes crucial. Not every mishap is automatically insured, so read on to avoid unexpected expenses.
Damage to Building and Personal Injuries
Does private liability insurance cover balcony solar power plant-related damages? The answer varies among policies; consult with your insurer to clarify your coverage. Commonly covered damages include:
- Property damages to the building or rental property caused by the solar power installation, such as from falling debris or fire.
- Personal injuries sustained due to the solar power plant.
- Claims for third-party damages resulting from damages caused by the solar power plant.
- Notably, intentionally caused damages are not covered.
Economy and You
With solar energy on the rise, it's worth discussing the protection of your electrical system from solar power plant operation-related damages with your insurer.
Damage to the Solar System
Usually, household contents insurance covers damages to the solar device itself, as of November 2023 per the German Insurance Association (GDV). Always double-check your coverage by reviewing your contract or contacting your insurer for accurate information. Potential damages covered include:
- Hail damage
- Fire damage
- Storm damage
- Overvoltage damage after lightning strikes
For additional protection against theft, malicious third-party actions, manufacturing errors, and operational errors, consider augmenting your existing policy with electronics insurance.
Intentional damages are not covered by either policy.
Source: ntv.de, awi/dpa
- Renewable energies
- Solar energy
- Solar systems
- Tests
- Weather
- Extreme weather
- Storms
- Finance
- Consumer protection
- To ensure your solar power system is insured against damages caused by extreme weather or unintentional third-party injuries, it's crucial to consult with your insurer about your policy coverage for balcony solar power plants.
- In addition to damage coverage for the solar device itself, it's advisable to consider an electronic insurance policy to protect your solar system from theft, malicious actions, manufacturing errors, and operational errors, without coverage for intentional damages.
