Beats, Blow-ups, and Boom-downs: Tackling Damage from Balcony Energy Systems - Who Pays the Price?
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Hit the jackpot with solar energy on your balcony? Fantastic! But what if your solar power setup incurs damage or causes trouble? Let's explore the insurance policies that have your back:
Damage to the Balcony, Building, and Personnel Injuries
Does your private liability insurance cover damage brought on by solar panels and other energy systems? Chances are, it does, yet be sure to double-check: ring your insurer and pencil the details for future reference. Generally, damages like:
- Damage to common areas or rentals due to the energy system, such as fires or collapses caused by the solar installation
- Injuries resulting from the energy system
- Claims from third parties due to damage caused by the solar installation
- However, deliberate harm isn't insured.
Economy Watch Booming Solar Energy - Renewables Take a Leap According to the Consumer Center of Rhineland-Palatinate, don't forget to ask your insurer about damages caused by operating the energy system, e.g., to the building's electrical installation.
Damage to the Energy System
When the energy system itself takes a hit, your household contents insurance should typically bump in to foot the bill. But remember, contract conditions come first, so double-check with your insurer. Updated tariffs from November 2023, according to the Association of German Insurers (GDV), should cover hail, fire, storm, and overvoltage damage after lightning strikes.
Guide "Finanztest" Review - Insure Your Solar System for as Little as 35 EUR per Year Keep your insurer informed about your energy installation and keep your confirmation of report secure. As part of your household contents, your system is insured against:
- Hail damage
- Fire damage
- Storm damage
- Overvoltage damage after lightning strikes
In addition, an electronic insurance policy could help cover intentionally-caused damage by third parties, errors in operation, design, material, or manufacturing defects.
Deliberately caused damages are not covered by either policy.
Source: ntv.de, awi/dpa
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- In the event of damage to your solar energy system due to extreme weather events like hail, fire, storm, or overvoltage after lightning strikes, your household contents insurance should ideally cover the costs, though it's important to double-check with your insurer.
- When it comes to community policies, seeking clarification from your insurer about coverage for damages caused by operating your energy system, such as to the building's electrical installation, is essential, as per the Consumer Center of Rhineland-Palatinate's advice. Meanwhile, sports enthusiasts may want to stay updated on weather alerts for extreme weather events that could potentially affect their outdoor activities.
