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looks like I have cleared the hurdles and my 10kw DC system is about to be installed. I will post the progress here.
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Any luck with waiving or reducing the homeowners insurance requirement?CS6P-260P/SE3000 - http://tiny.cc/ed5ozx -
unfortunately not, but I can get the coverage for an additional $200 a year, adds a couple of years to my payoff date. so I live with it, for now.Comment
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I'm in Fayetteville TN and adding panels. Who did your work? Thanks.Comment
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they have worked great for three years now , I can give you a lot of advice , first make sure your homeowners association is on board. then call FPU, I can recommend a great installer, 180 solar in lawrenceburg tn is who I used and I am very happy.
also if you are ground based make sure you know where the septic lines are (potential real mess)
make sure your insurance company can cover them , fpu requres you to insure them this was an extra $200/yr for me, also remember that you will have to pay income tax on excess production, according to Turbotax forum.Last edited by leww; 01-28-2019, 12:08 PM.Comment
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Thanks for the help! I'm not doing grid-tied. Just a few panels to run a freezer and refrigerator. I was in Htsv when the big tornadoes went through and lost all my frozen foods. I live on a farm in Taft and produce my own meats and veggies. Don't want to lose that work! Thanks again!Comment
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good luck, you probably still want to talk to Fpu do not run the risk of feeding power back to the grid through your house wiring
I am in Park City we are almost neighbors LOL also have you considered a whole house gas generator? also you will need batteriesLast edited by leww; 02-03-2019, 10:27 AM.Comment
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what is the 'homeowners insurance requirement' ?
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$100k is fairly typical of any standard homeowners insurance policy anyway - is the utility concerned that you could be found 'at fault' if something goes wrong on the grid?
Insurers certainly don't build this type of risk into the typical home policy - I would be surprised if they would cover it even if you did have the liability coverage, especially since the utility makes the rules in the first place and must sign off on the installation before they even install the meter.
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that's really strange, as you are not a 'business', only a home - though the utility may think that you ARE a business because you are 'selling' them back power, I suppose.
I would find it hard to find an insurance carrier who would understand or even want to issue a policy for this reason only, for a homeowner, but apparently you found one.
Why it would have to a 'commercial' policy is beyond me, since that's exactly why a homeowner's policy will carry Liability, but maybe the utility doesn't 'trust' that a home policy would afford you coverage if a claim occurred in some scenarios, like solar backfeed to the grid(?).
Maybe there's an insurer who has decided to get into this type of 'business' coverage... oh well, but it's pretty typical now a days to find that any business wants to 'pass the buck' to someone else's insurance policy, rather than their own potentially paying a claim.Last edited by NCmountainsOffgrid; 02-04-2019, 11:11 AM.Comment
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Net Metering is NOT selling. It is buying on NET. If it were selling then sales tax would be required.
Having a level of liability coverage for Net metering is common but usually covered by homeowners policy, sometimes the levels have to be increased a bit is all.
OutBack FP1 w/ CS6P-250P http://bit.ly/1Sg5VNHComment
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...was it the Utility requiring a 'Commercial' general liability policy, or was it just that your broker or agent/company thought you needed one?Comment
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