If you’re planning on going solar in order to counter the effects of Load-Shedding, there are a few steps to consider in order to ensure that your insurance cover will stand and to avoid any issues at claims stage, should something go wrong.
It is not uncommon for solar panels, lithium batteries and generators to go up in flames when they are incorrectly installed.
The onus is on policyholders to ensure that their solar panels are installed correctly. Do your homework and ensure the business you are using for the installation is an accredited installer or electrician and that they have the relevant qualification, certification and experience required.
Remember that insurers do not cover the likes of defective workmanship or faulty design which is why it is critical to use accredited contractors. However I would also recommend that one requests confirmation from contractors, of their own insurance. Namely; Contractors Liability cover and Professional Indemnity cover. This way, should there be a loss as a result of their error or negligence, their insurance can kick in for your benefit and cover any damages incurred to your property.
Confirm, before you give any contractor or electrician the go-ahead to commence any installation, that they can provide you with a Certificate of Compliance upon completion. Insurers will request a copy of the Certificate of Compliance upon inception of cover and possibly again at claims stage.
Before turning on any new solar systems, connected generators or inverters, notify your broker and ask for confirmation that the addition is covered.
Once cover is confirmed, only then should you turn it on.
If you have any questions, please don’t hesitate to get in touch:
covered@finesseinsurance.co.za
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