Insurance notifications after installation

Installing solar changes your home's risk profile — insurers appreciate a heads-up before panels go on.

Why notification matters

Roof-mounted equipment alters rebuild costs and fire access considerations. Some policies cover solar as standard; others need endorsement or impose limits. Failure to disclose may complicate claims after storm or fire damage.

Questions for your insurer

• Are panels and inverter covered for storm, fire, and theft?
• Does scaffolding damage during future maintenance affect claims?
• Is there a sum insured increase required for rebuild value?
• Do pest mesh or battery storage need separate mention?

Will premiums rise?

Many households see no change; some see modest increases reflecting higher rebuild cost. Shop at renewal if your insurer penalises solar without clear justification.

Installer insurance vs yours

Installer public liability covers their workmanship damage — not ongoing panel ownership. Your buildings policy covers permanent fixtures once handed over.

A two-minute call beats a coverage dispute when a tile fails in a February storm.

Listed and conservation homes

Heritage properties may have specialist insurers — mention planning consents obtained to support underwriting.