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.
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. Premium increase is typically $200–$600/year per system.
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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