Once your solar panels are installed, there’s one quick admin task worth doing before you forget: call your home insurance provider and let them know.
Why it matters
Most home insurance policies require you to disclose significant changes to your property. Fitting solar panels — particularly panels and an inverter screwed to your roof and wired into the electrical system — counts as a material change. If you don’t disclose it and later make a claim, your insurer could use the non-disclosure as a reason to reduce or refuse the payout. It’s a straightforward thing to avoid.
Some insurers will adjust your premium slightly because the overall value of your property has increased. Others won’t change anything. But either way, it’s better to know before a claim rather than after.
What to tell them
When you call, have the following to hand: the total cost of the installation (panels, inverter, and battery if you have one), confirmation that the work was carried out by an MCS-certified installer, and any warranty or guarantee documentation. Your insurer will also want to know whether the panels are on the main roof and whether any structural work was done.
Check your roof cover too
It’s also worth checking that your policy covers storm damage or accidental damage to the roof where the panels are mounted. This is usually included in standard buildings cover, but it’s worth confirming.
We’re happy to provide any documentation you need for your insurer after we complete an installation — just ask. And if you’re still considering solar, get in touch and we can walk you through the whole process.
