Florida has emerged as the fastest-growing solar market in the United States, finally living up to its nickname, the "Sunshine State." With high UV index levels and year-round favorable weather, Florida presents an ideal environment for solar energy. Additionally, the state's utility providers offer robust solar programs, making the transition to solar energy both practical and beneficial.
Utility-Specific Solar Programs
To delve into the specifics of solar programs offered by the utilities we commonly work with in Florida, you can explore the following links:
These programs can help you understand the incentives, net metering policies, and other benefits available when you go solar in Florida.
Additional Homeowners Insurance Requirement for Larger Systems
For solar installations in Florida, there's an important insurance consideration for systems larger than a certain size:
Tier 2 Solar Systems: Any solar installation with a system size larger than 11.76 kW is classified as a tier 2 solar system. For these systems, Florida utility companies require homeowners to have a $1 million dollar Personal Liability Policy (PLP), often referred to as an "Umbrella Policy," to obtain Permission to Operate (PTO).
Policy Details: This PLP is separate from your standard Homeowners Insurance (HOI). It does not increase your current HOI rates but is an additional layer of liability coverage.
Assistance from Better Earth: If you do not already possess this coverage, Better Earth collaborates with trusted and vetted insurance agents. Your project manager will facilitate obtaining this policy on your behalf, ensuring a smooth process.
Information Needed for Coverage:
Your occupation as the homeowner
The utility account holder's date of birth
Declaration pages of your current homeowners insurance
Information about any pets, including any history of dog bite claims
The cost of the PLP can vary based on your overall insurance liability profile.
Existing Coverage: If you already have a $1 million dollar personal liability policy, no additional insurance is needed. However, Better Earth might require proof of this policy to proceed with the grid interconnection.
System Size and Insurance Requirement
Threshold for Additional Insurance: Typically, a solar system of 11.76 kW or larger triggers the need for the additional $1 million liability policy.
Example: A system with 30 panels, each rated at 400 watts, totals to 12 kW, which would necessitate this insurance requirement.
Utility-Specific Variations
Please note that insurance requirements can slightly differ depending on your utility provider. For precise details relevant to your situation, we encourage you to reach out to us or your sales representative.
Frequently Asked Questions (FAQ)
Q: Why is Florida a good place for solar energy?
A: Florida's high UV index and consistent sunshine provide optimal conditions for solar panels, leading to high energy production. Additionally, the state's utility companies offer favorable solar programs.
Q: What if I already have a $1 million liability policy?
A: If you already have this coverage, you won't need to obtain additional insurance. However, you'll need to provide proof of this policy to Better Earth for grid interconnection.
Q: How does the additional liability policy affect my homeowners insurance?
A: The PLP is separate from your HOI, so it won't increase your current homeowners insurance rates. It's an additional policy for liability coverage.
Q: What information does Better Earth need to get the liability policy?
A: We need your occupation, the utility account holder's date of birth, declaration pages of your current HOI, and details about any pets, including any dog bite claims.
Q: Can Better Earth help with obtaining the required insurance?
A: Yes, Better Earth works with trusted insurance agents to secure this policy for you if you don't already have it, ensuring all requirements are met without hassle.
Q: What if my system size is just under 11.76 kW?
A: If your system is under this threshold, you typically won't need the additional $1 million liability policy, but always confirm with your utility or Better Earth for precise requirements.
By understanding these aspects, you're well-equipped to make an informed decision about going solar in Florida. At Better Earth, we're here to guide you through every step, from understanding utility programs to ensuring you meet all necessary insurance requirements, making your solar journey in the Sunshine State as bright and beneficial as possible. If you're ready to harness the sun's power, contact us for a personalized consultation.