At 76.0% owner-occupied with a median of $463,600, Peoria has adopted rooftop solar heavily. Whether those panels are insured, and by whom, depends on a contract most owners signed years ago.
Owned panels are usually part of the dwelling. Leased panels frequently belong to somebody else entirely.
Three things that change once there is equipment on the roof.
Panels you bought are generally treated as part of the dwelling and need the dwelling limit raised to include them. Panels under a lease or a power purchase agreement usually belong to the provider, who insures them, and your policy may specifically exclude them. Owners frequently cannot say which arrangement they have, and the answer decides who pays for a hail-damaged array.
Replacing a roof under an array means removing and reinstalling the panels, which is a real cost and is not automatically part of a roof claim settlement. Whether your policy contemplates that removal and reinstallation is worth establishing before a storm rather than during a repair.
Adding a substantial piece of equipment to a house raises what rebuilding it costs. Almost nobody calls their insurer after an installation, so the limit stays where it was and the array sits above it.
The paperwork behind the panels.
Three different answers about who insures them. Worth finding the contract.
Usually not, because nobody raised it at installation.
A real cost that some policies address and some do not.
Tell us whether the panels are owned or leased and roughly what the system cost.
We find out who owns the array before deciding whose policy covers it.
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