2024-04-28 04:00:21
Question to an expert
Do I need to insure the photovoltaic panels that I have just had installed on my house?
The installation of solar panels, whether photovoltaic or thermal, is covered by the ten-year guarantee of the professional responsible for the installation. But only damage directly attributable to the installer (damaged roof, waterproofing or electrical problems due to an installation fault, etc.) are covered under this insurance.
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For optimal coverage, it is therefore strongly recommended to check your home insurance contract.
Storm, broken glass, etc.
On the one hand, because the civil liability of the owner or tenant of the accommodation may be incurred – the panels could come loose and cause material damage or bodily harm to a third party. On the other hand, because this type of expensive equipment is exposed to various disasters: storm, broken glass, theft, short circuit, fire, etc.
Some contracts automatically include a warranty for solar panels, but not all. It is therefore more prudent to declare them to your insurer. The approach is also recommended as soon as a new development is carried out in the home.
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The cost of this option can vary from around fifty to a hundred euros per year. For individuals reselling the electricity generated with their solar panels, it is also possible to ensure energy production, including financial loss in the event of a deliverability problem.
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