Solar Contract Signed with Sunpower

[J.P.M.]

When I spoke with them they told me about the $1m policy and said it would cover anything that happened if the solar setup caused the issue. I was not sure that was the case and you seem to be confirming this. Seems it covers their equipment and not much else....or acts as a secondary insurer if needed for medical or damage expense.

Caveat Emptor. Assume the worst, always read the fine print and be pleasantly surprised when you're wrong.

[njguy]

FROME MY LEASE with SUNRUN
Insurance:
We will carry and pay for insurance that covers all damage to and theft of the Solar Facility as well as any liability arising out of our performance and the
performance of our subcontractors under this Lease. You will carry and pay for insurance that covers all damage to your property during the term of the
Lease, including damage resulting from the Solar Facility, provided such damage was not caused by our gross negligence (see Section 14 of your Lease for
additional details).
14. Insurance
(a) Sunrun agrees to carry insurance that covers all damage to and theft of Sunrun's Solar Facility as well as any liability arising out of Sunrun's
performance and the performance of its subcontractors under this Lease. You will not be responsible for insuring the Solar Facility. Sunrun agrees to
provide you evidence of Sunrun's insurance policy for the Solar Facility upon request. If Sunrun does not maintain insurance that covers damage to
Sunrun's Solar Facility, it will be responsible for the consequences of not maintaining such insurance.
(b) You agree to carry insurance that covers all damage to your Property during the term of this Lease, including damage resulting from the Solar Facility,
provided such damage was not caused by the gross negligence of Sunrun. You agree that you are responsible for contacting your insurance carrier and
inquiring as to whether the installation of the Solar Facility will impact your existing coverage. If additional insurance is required to maintain your existing
coverage, you will be responsible for either (i) procuring and maintaining such insurance or (ii) the consequences of not procuring and maintaining such
insurance.
(c) Sunrun requires its contractors performing the Solar Facility installation to maintain insurance coverage as follows: workers compensation, subject to
statutory limits; Employers liability, with a minimum of one million ($1,000,000) dollars each occurrence; commercial general liability, in an amount not
less than one million ($1,000,000) dollars per occurrence and two million ($2,000,000) dollars annual aggregate; commercial automobile liability, in an
amount not less than a combined bodily injury and property damage limit of one million ($1,000,000) dollars per accident; excess liability insurance with a
limit of one million ($1,000,000) dollars per occurrence and in the annual aggregate in excess of the limits of insurance provided above; and any other
insurance required by applicable laws or regulations.


I READ 3 TIMES AND NOT FULLY SURE WHAT IT MEANS?( IS THE PANELS COVERED IF THERE IS A FIRE?) I dont think so, I know that i can ask sunrun but getting a simple YES OR NO is not easy some times, but i am not giving UP, CAN some one read it and give me there input as to what they are saying?

When I spoke with them they told me about the $1m policy and said it would cover anything that happened if the solar setup caused the issue. I was not sure that was the case and you seem to be confirming this. Seems it covers their equipment and not much else....or acts as a secondary insurer if needed for medical or damage expense.

[ajpslp]

Ian,
Correct I produced 2093 kWh since feb 11 till today .I used 1660. So i have approx 433 in the bank saved up for summer months. So my Con Ed bill is totally eliminated (have to ay $17) a month for having their meter on house, and instead of paying $320-$350 a month to con ed i pay sun power $133. No brainer !! Install was smooth neat and headache free. I also have the consumption meter on my system so I can view usage vs consumption live.

[Ian S]

maureen,
had men for two months so far and have saved 425 kilowatts so far in NY. The next two months are huge months for banking kilowatts . It totally pays if ur bills are high with con ed. Be careful and do ur due diligence, there are some so so shady companies popping up in ny metro area. We installed 36 335 Sunpower panels and couldn't be happier with panels and install .

You may not have the greatest solar insolation in NY but your high electric rates and huge incentives make it almost a no-brainer I would think. And just to be clear that 425 kWh is just what you've banked not your total production, right?

[ajpslp]

Now multiply 425 * kWh cost and you get a number of? Maybe 50$

Russ not sure what ur saying. But conned charges around .30-35 kWh so that's actually around $145. Also this DOES NOT include the 900 kWh I produced and used this month a conned bill would run me $300 for month but pay $133 for solar. So definatly worth it

[russ]

maureen,had men for two months so far and have saved 425 kilowatts so far in NY.

Now multiply 425 * kWh cost and you get a number of? Maybe 50$

[ajpslp]

maureen,
had men for two months so far and have saved 425 kilowatts so far in NY. The next two months are huge months for banking kilowatts . It totally pays if ur bills are high with con ed. Be careful and do ur due diligence, there are some so so shady companies popping up in ny metro area. We installed 36 335 Sunpower panels and couldn't be happier with panels and install .

[maureen]

Looking for satisfied customers of solar panals in NY

So my 36 panel x21-335 all black panels are set to arrive monday am , and dealer will begin the mounting rack system. I requested the low profile rack system which just looks better and considering my location on a corner think it will better to the eye. I went down from $181 to $131 because NYS NYSERDA received something in the billions to promote residents in NY to convert to solar. I just received my con edison bill of $306 this month and its WINTER!! holy crap i hate being robbed!!! I can't wait till my solar goes online !! A few friends already are online with solar and producing pretty good numbers for winter . Hope this answers any questions people may have !

Please someone who has had solar panals for over a year in NY let me know if was truly worth the expense. I am on the fence.

[Naptown]

why would Leasing companies want to sue the trust if you are doing a pre-paid lease with a upfront payment just under 10,000.00,i am paying my end completely?

I don't know the full answer to that question. You would have to ask the leasing company. I know that I cannot get state grants for properties that are held in trust in most instances without a lot of whining and crying.

[TJBOB]

I had a horrible experience with NRG on the two leases we did through them (as an installer) It took months for them to approve anything and my customers were not pleased.
You may still have a problem with them as the house is in trust. Leasing companies tend to shy away from them as it is harder to sue a trust than an individual.
They did drop out of the leasing business a year ago or so and have recently re entered the market.

why would Leasing companies want to sue the trust if you are doing a pre-paid lease with a upfront payment just under 10,000.00,i am paying my end completely?

[Naptown]

I had a horrible experience with NRG on the two leases we did through them (as an installer) It took months for them to approve anything and my customers were not pleased.
You may still have a problem with them as the house is in trust. Leasing companies tend to shy away from them as it is harder to sue a trust than an individual.
They did drop out of the leasing business a year ago or so and have recently re entered the market.

[TJBOB]

re had signed with sunrun

I had originally signed with sunrun solar and gave them a deposit then all of a sudden they decided to decline because the house is in trust, I went back and forth with them a few times, i told them it is a pre-paid, and they said OK this is okay, then they said no so that eventually I gave up,Now my sales rep who had signed me up with sunrun wants me to go with an co. called NRG solar has anybody ever heard of them, if someone has how are they as a company Trinity will be there contractor they will install the panels, i can really use some input,

[J.P.M.]

How does one go about finding a lawyer experienced in residential solar contracts/leases?
(I'm in the San Francisco bay area.)

I asked my attorney to recommend one. I suppose there are associations of lawyers around. I also have several friends/neighbors who are ambulance chasers.

[rocketcity]

Lessors carry insurance to cover what they own. You carry insurance to cover what you own. Concurring w/the above, if not clear, seek a qualified legal opinion.

How does one go about finding a lawyer experienced in residential solar contracts/leases?
(I'm in the San Francisco bay area.)

[J.P.M.]

I Am Not A Lawyer, but my read of it is pretty clear: Sunrun will buy insurance on the panels themselves, but not any damage the panels may cause to your house.

So for example, if the PV system malfunctions and burns your house down, Sunrun's insurance will replace the PV system but not pay for any damage to your house. Your own insurance needs to cover that.

Similarly, if your house burns down for some other reason, Sunrun's insurance should replace the PV system but nothing more.

All this is complicated by the fact that many states have laws which affect these kinds of contracts, so it might be that not all the terms here are legally binding. If this is worrying you, you should spend a couple hundred bucks to consult with a lawyer in your state experienced in this area of the law. You are much more likely to get good advice there than from some random guy on the Internet.

Lessors carry insurance to cover what they own. You carry insurance to cover what you own. Concurring w/the above, if not clear, seek a qualified legal opinion.