Insurance and Liability for Rooftop Solar on Rental Properties
The panels aren't yours (in a PPA). But the roof is. Here's how insurance actually flows.
Part of our guide to commercial solar.
Who insures what
- PPA scenario: the PPA provider insures the solar equipment. You continue to insure the building. Your policy should be updated to note the solar equipment as third-party owned.
- Owned scenario: you insure the equipment as part of your property policy. Get the premium change quoted by your carrier before signing.
Hurricane, hail, and fire
Modern racking systems are rated for 150+ mph winds (Miami-Dade approved) and Class A fire. Insurance claims data from 2020–2024 shows solar-equipped roofs perform at or above non-solar comparables in wind events — the ballasted racking and panel weight actually reduce shingle uplift.
Liability
Coordinate a hold-harmless with the PPA provider covering: roof damage from install, roof damage from removal at end of term, injuries to third parties working on solar equipment, and any interconnection-side utility disputes.
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