Going solar is an exciting step toward energy independence, cost savings, and sustainability. But before you make the investment, it’s important to ask the right questions to ensure solar is the right fit for your home. Here are 10 key questions to ask, along with answers to help guide your decision.

1. What Happens When It Snows, or Hails?

• Solar panels are designed to handle snow. While heavy snowfall temporarily reduces energy production, the snow typically melts quickly due to the dark surface of the panels and their tilt angle.

• Good to Know: Snow-covered days are accounted for in your system’s production estimate, so your expected energy savings already factor in seasonal variations.

• As far as hail Goes, solar panels are built to be durable and withstand harsh weather conditions, including hail. Here’s what you need to know:

  • Hail Testing: Panels are subjected to rigorous testing to simulate hail impacts, including being struck by ice balls up to 1 inch in diameter at 50 MPH.

  • Durability Standards: Most panels meet or exceed IEC 61215 standards, ensuring they can withstand hail, heavy rain, wind, and snow.

  • Does Hail Damage Solar Panels?

  • While rare, hail damage can occur during severe storms with unusually large hailstones. However:

    • Glass Layers: Panels are made with tempered glass, designed to resist impact.

    • Warranties: Most solar panel warranties do NOT include coverage for weather-related damage, make sure your solar system get’s added to your home insurance policy ensuring repairs or replacements if needed.

    • How Does Insurance Cover Hail Damage?

  • Homeowners Insurance: Solar panels are typically covered under your standard policy as part of your home’s structure.

  • State Farm Note: If you have State Farm, they may recommend a standalone policy for solar, which costs around $32-$50 per year and ensures full replacement value.

  • Key Tip: Verify with your insurance provider whether your policy covers full replacement cost or actual cash value to ensure you’re fully protected.

2. Does Going Solar Affect My Insurance Premium?

• Most insurance companies include solar panels under your standard homeowners insurance policy at no additional cost.

• Exception: If you have State Farm, agents may recommend a standalone policy for your solar system. This typically costs an additional $32-$50 per year and ensures your system is fully covered for damage.

• Key Tip: Make sure your coverage is for full replacement value (see below) to avoid surprises in the event of a claim.

3. What Type of Insurance Coverage Do I Need for My Solar Panels?

There are two main types of homeowners insurance coverage:

• Full Replacement Cost: Covers the total cost of replacing your panels in case of damage.

• Actual Cash Value: Accounts for depreciation, paying only the current market value of your panels, which may leave you paying out of pocket.

• Recommendation: Choose full replacement cost coverage to ensure your investment is fully protected.

4. How Do Solar Panels Impact My Roof?

• Solar panels can protect the portion of your roof they cover by shielding it from weather and UV exposure.

• Professional installation ensures roof penetrations are sealed and flashed properly, preventing leaks and preserving your roof’s integrity.

• Bonus: If your roof needs replacing in the future, Helio GreenTech offers a comprehensive removal and reinstallation service.

5. What Happens If I Move After Installing Solar?

• Solar adds value to your home, making it more appealing to buyers.

• You can either transfer the solar loan or lease to the new homeowner or pay it off during the sale to increase your home’s resale value.

• Tip: Systems with ownership (not leases) are generally more attractive to buyers.

6. Will My Solar Panels Work During a Power Outage?

• Without a battery backup, grid-tied solar systems will not produce electricity during an outage for safety reasons.

• Adding a battery, like the Tesla Powerwall or Enphase Encharge, provides backup power and keeps essential systems running during outages.

7. What Is Included in My Solar Warranty?

• Panel Warranties: Typically cover product defects and performance for 25 years.

• Inverter Warranties: Range from 10 to 25 years, depending on the manufacturer. We typically install enphase inverters, which has a full 25 year warranty, great customer service and reliability second to none.

• Workmanship Warranties: Helio GreenTech offers a 25-year workmanship warranty.

8. How Long Will My Solar Panels Last?

• Most solar panels are designed to last 30-50 years while maintaining 80-90% of their original efficiency for at least 25 years.

• Inverters may require replacement after 10-15 years, depending on the type and usage. Some inverters like enphase and Sol-Ark+Storz battery have a 25 year warranty.

9. Are There Any Maintenance Requirements for My Solar Panels?

• Solar systems are low-maintenance, requiring only occasional cleaning to remove dust, pollen, or debris.

• Helio GreenTech offers maintenance plans to keep your system running efficiently year-round, and washing them with water helps keep them looking new and producing at their best.

10. How Do I Know My Solar Production Estimate Is Accurate?

• Your production estimate is calculated based on factors like roof angle, shading, local weather patterns, and system size.

• Snow Days: Production estimates already account for reduced output during snowy or overcast days.

• Monitoring Systems: Real-time monitoring through platforms like Enphase Enlighten lets you track your system’s performance and compare it to projections.

Why Choose Helio GreenTech?

At Helio GreenTech, we believe in empowering homeowners with clear information and reliable service. Our team is here to answer your questions, tailor a system to your needs, and provide comprehensive warranties to protect your investment.

Contact us today to schedule a free consultation and discover why solar is the best decision for your home and future!