Solar shingles are a modern, eco-friendly roofing alternative to traditional solar panels that is gaining in popularity. As more homeowners consider this upgrade, a common question arises: Will my home insurance cover solar shingles?
In this article, we'll explore the specifics of insurance coverage for solar shingles, addressing key concerns and providing valuable insights.
At a glance:
- Solar shingles are often covered by homeowners insurance, but specific coverage can vary.
- It's important to review your policy and discuss your needs with your insurance agent.
- Consider additional riders or endorsements for comprehensive coverage of your solar technology.
What are solar shingles and why are they popular?
Solar shingles are a type of photovoltaic (PV) technology roofing material that integrates solar cells directly into the shingles themselves.1 Unlike traditional solar panels that are mounted on top of a roof, solar shingles are designed to integrate and blend seamlessly with the roof's appearance.
Homeowners are increasingly drawn to solar shingles instead of solar panels for several reasons, including:2
- Aesthetics—More visually appealing alternative to traditional solar panels
- Discreet integration—Seamless integration with the roofline
- Energy savings—Minimized reliance on traditional power sources and lower energy costs
- Eco-friendliness—Reduction in carbon emissions
- Increased property value—Appealing to potential buyers
It's important to note that solar shingles can be more expensive than traditional solar panels. If you're considering solar energy for your home, be sure to research both traditional solar panels and solar shingles to determine the best option for your specific needs, and more importantly, your budget.
Do homeowners insurance policies typically cover solar shingles?
The short answer is: yes, home insurance policies often cover solar shingles—under certain conditions. As solar shingles are considered part of the roof, they're typically covered in the same way as traditional roofing materials.
However, it's important to check with your home insurance provider or insurance agent to determine the exact level of coverage, exclusions, and limitations your policy may have in regard to solar shingles.
Common scenarios for insurance coverage for solar shingles
Common scenarios for insurance coverage for solar shingles generally fall within the scope of standard homeowners insurance policies.
- Damage from covered perils—Solar shingles can be damaged by several covered perils, including hail, wind, fire, and fallen trees.
- Wind—High winds can cause significant damage to solar shingles, including dislodging shingles, cracking shingles, or even causing electrical issues.
- Hail—Hailstorms can impact the integrity of solar shingles, potentially causing cracks, punctures, or shattering.
- Fire—Fire damage to the roof can also affect the solar shingles, potentially requiring replacement or repair.
- Falling objects—Trees, branches, or other debris falling onto the roof can damage solar shingles.
- Important considerations—As with other types of insurance coverage, you will be responsible for incurring your deductible before any covered insurance payment can be issued. There may be coverage limits in your policy for solar shingle damage, so it's important to review your policy carefully. In some cases, you may need to purchase a separate endorsement to ensure adequate coverage for your solar shingles. Consider consulting with your insurance agent if you have any coverage related questions.
When solar shingles may not be covered by home insurance
While homeowners insurance typically covers damage to solar shingles caused by covered perils like windstorms or hail, there are several scenarios where coverage may be denied. Understanding these exclusions is critical in determining adequate protection for your investment.
Certain situations, such as those noted below, may not be covered by your insurance. This list is not exhaustive, and specific exclusions and limitations to what is not covered by home insurance can vary significantly between insurance companies and policies.
- Wear-and-tear—General wear and tear issues are typically not covered by insurance.
- Lack of maintenance—If the damage is caused by a lack of proper maintenance, coverage may be denied.
- Improper installation or modification—If the damage results from improper installation or modifications, coverage may be excluded.
- Manufacturer defects—Damage due to manufacturer defects or improper installation may not be covered by your home insurance policy.
- Damage from excluded perils—While some Acts of God (like windstorms) are typically covered by home insurance, others like landslides, earthquakes, and floods may not be, and will require separate endorsements for additional coverage.
How to confirm home insurance coverage for solar shingles
Confirming your home insurance coverage for solar shingles is important when evaluating your home insurance needs and ensuring you are adequately protected against potential damage.
To ensure you have appropriate levels of coverage for your solar shingles, consider taking the following steps:
- Review your policy—Carefully review your home insurance policy to understand its coverage limits and exclusions. Promptly notify your insurance agent of any changes to your solar system, such as upgrades or repairs to ensure you are covered for any upgraded equipment.
- Consult your insurance agent—Discuss your specific situation with your insurance agent to clarify questions or concerns about solar shingle coverage.
- Consider endorsements—If you are looking for more comprehensive home insurance coverage for your solar technology, consider adding endorsements to your base home insurance policy.
- Explore specialized coverage—Talk to your insurance provider or insurance agent about specialized insurance options specifically designed for solar energy systems.
How solar shingles could impact insurance premiums
Adding solar shingles to your home may increase your insurance premium. This is because the replacement cost of your home, including the solar shingles, may be higher.
However, some insurance companies offer discounts or incentives for eco-friendly upgrades like solar panels and shingles. It's best to consult with your insurance agent to understand any potential impact on your premium.
Final considerations for protecting your solar investment
While homeowners insurance policies generally cover solar shingles for damage from covered perils, it's important to carefully review your policy and discuss your specific needs with your insurance agent. Understanding your insurance coverage and taking proactive steps to protect your solar technology is a critical part of establishing your financial security. Making informed decisions about your home's protection and your investment in renewable energy, allows you to enjoy the benefits of solar energy with peace of mind, knowing you are financially prepared for unexpected events.
Openly can help you find tailored insurance solutions that align with your solar energy and eco-friendly goals. You can easily connect with an independent home insurance agent in your area to explore personalized coverage options or request a custom home insurance quote online through a trusted Openly agency partner. Contact us today or talk with your Openly appointed independent agent for personalized assistance.
Solar shingles & home insurance FAQs
Q. Are solar shingles more expensive to insure than traditional shingles?
A. While solar shingles may have a higher replacement cost, the impact on your insurance premium can vary. Factors like your location, the specific type of solar shingle, and your insurance provider can influence the premium.Q. Will I need a special insurance rider for my solar shingles?
A. Depending on your specific policy and the level of coverage you desire, you may need to add a rider or endorsement to your home insurance policy to fully protect your solar technology.Q. What happens if only part of the solar shingles are damaged?
A. If only a portion of your solar shingles is damaged, your insurance may cover the cost of replacing or repairing the damaged section. However, it's essential to check your policy's specific terms and conditions to understand the coverage limits.Q. Are solar shingles better than solar panels?
A. It depends on your specific needs and preferences. Solar shingles are integrated into your roof, offering a sleek and seamless look, whereas solar panels are installed on top of your existing roof. Solar shingles are ideal for homeowners prioritizing aesthetics or replacing their roof, while solar panels typically have higher efficiency and are easier to upgrade or repair. Both options have their pros and cons, so it’s essential to evaluate your energy goals, budget, and home design when deciding which is better for you.
Q. Do solar shingles increase home value?
A. Yes, solar shingles can increase your home's value by enhancing energy efficiency and appealing to eco-conscious buyers. Homes with solar technology often attract higher market values, but the exact impact will depend on factors like your location, the age of the shingles, and local demand for renewable energy solutions.*We provide this information to help you understand insurance. Any coverage is subject to the terms of your policy. Please refer to your policy and declarations page for complete terms, conditions and coverage details.
1 Cory O’Brien. “Homeowner’s Guide To Solar Shingles.” Palmetto. Published 17 May 2024. Accessed 3 January 2025. https://palmetto.com/solar/solar-shingle-pros-and-cons-homeowner-guide-to-cost-and-installation
2 Catherine Lane. “Solar shingles: should you go with Tesla or an alternative?” Solar Reviews. Published December 2024. Accessed 3 January 2025. https://www.solarreviews.com/blog/what-are-the-pros-and-cons-of-solar-shingles
