A roof with solar panels will be a simple upgrade for most homeowners in this region of the world, but there are some things you should check before (and after) installing them – especially around your insurance provider, and council tax.
Council tax: will it change?
The good news is that it’s unlikely solar panels will increase your council tax band for most homeowners. You can check your council tax band, although bands are based on valuations of the property as a whole, and everyday home improvements generally won’t move you to another band.
However, if you are also undertaking a significant amount of other work (i.e., building a significant extension) keep any paperwork which reveals when the new products were laid in place, as this can be very handy to have in case it ever comes under scrutiny at a later date.
Home insurance: tell your insurer
Remember to keep your insurer in the loop – Solar panels are an addition to your home, so you should let your insurer know when they’re on board.
Ask:
Is the building’s insurance responsible for covering the cost of replacing any panels?
Has your premium or excess increased?
Is there cover for storms, falling object and theft coverage of panels?
Installer-induced damage (who is liable?)
If you are getting a battery, also put that as an added piece of technology.
For Solar Panel Installation, visit precisiongreenenergy.co.uk/renewables/solar-panel-installation/
Panels that are leased or financed
Check with them first and foremost – If panels are owned by a third party (not so common now, but it still happens), then confirm the following details:
Who insures the panels themselves?
Who is responsible for repairs?
If the insurer requires a copy of your agreement
Quick takeaway
Just make a 10-minute call to your insurer and be sure you have the quote, MCS paperwork, and warranty details all in one place. If nothing else, this is the simplest way to save yourself from unpleasant surprises down the line.
