The smoke was a structure fire that stayed on the actual property. It was about a mile to maybe one and a half miles as the crow flies.
My insurance company offered renewal at $60 less a year. I did modify coverage (went 1.4M Coverage A [structure] to 1.5M - primarily because the detached structures is limited to 10% with this company), and raised deductible from 5K to 10K because I wouldn't risk filling a small claim. After all changes, thanks to a lot of discounts, $1700 a year for 1.5M with 25% extended coverage. Compared to what I see everyone else posting, my rate is great.
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SDGE Specific Hypothetical Question re NEM 2.0 (vs NEM 3.0)
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It's just based on my understanding of the NEM 2.0 regulations and guidelines. On the California Public Utilities Commission (CPUC) website. https://www.cpuc.ca.gov/nem2/
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As long as you stick to specific conditions like keeping the same address, same-size system, and not expanding your existing system beyond its original size, you can continue with your NEM 2.0 status. But do take advice from your utility company and professional solar installer.Leave a comment:
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Insurance renewal is triggering this question in my brain - if one's NEM 2.0 system is destroyed in a wildfire (or any fire), and the house is rebuilt, would a same DC kWh sized system maintain the balance years of NEM 2.0 or would it have to go to NEM 3.0 (starting as year 0)?
I tried to Google an answer, but no success.
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Insurance renewal is triggering this question in my brain - if one's NEM 2.0 system is destroyed in a wildfire (or any fire), and the house is rebuilt, would a same DC kWh sized system maintain the balance years of NEM 2.0 or would it have to go to NEM 3.0 (starting as year 0)?
I tried to Google an answer, but no success.Leave a comment:
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Insurance renewal is triggering this question in my brain - if one's NEM 2.0 system is destroyed in a wildfire (or any fire), and the house is rebuilt, would a same DC kWh sized system maintain the balance years of NEM 2.0 or would it have to go to NEM 3.0 (starting as year 0)?
I tried to Google an answer, but no success.
I don't recall seeing a direct point being made with respect to property destruction and what happens to the NEM agreement.
I'd think w/all the wildfire activity of the last few years someone with a PV system got burned out.
My guess is the folks at SDG & E will probably come up with something once you ask the question.
Off topic, but it seems like it may not be a good time to be switching insurance carriers just now with all the policy dropping/shenanigans carriers are playing in this area lately.
I saw some pretty heavy smoke close to you a few months back/last spring. How close did it get to you ?Leave a comment:
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SDGE Specific Hypothetical Question re NEM 2.0 (vs NEM 3.0)
Insurance renewal is triggering this question in my brain - if one's NEM 2.0 system is destroyed in a wildfire (or any fire), and the house is rebuilt, would a same DC kWh sized system maintain the balance years of NEM 2.0 or would it have to go to NEM 3.0 (starting as year 0)?
I tried to Google an answer, but no success.
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