www.solardave.com SolarDave: What happens to my homeowners insurance rates when I add solar panels to my roof? Sam Weaver: Generally nothing happens. You are required to have a indemnification against Xcel Energy. So your homeowners insurance rates could go up if you do not have a high enough liability policy. Some homeowners insurance considers solar separate some consider just part of the home. Our experience has been very few homeowners see any increase in their insurance rates. But you are required in Xcel territory to maintain a 0000 liability policy against damage to their equipment. SolarDave: I am guessing the solar panels are more durable then my cedar shake roof that I need to replace? Sam Weaver: That is correct, the panels we install come with a 25 year warranty on them. The warranty covers materials workmanship the panels themselves also the power output.
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