Many people insure their solar panels against fire, damage, theft, and bad weather conditions such as hail, but you may already be covered for this.
In most cases:
If you own your home, you have a home insurance policy. Ask your insurer if your solar panels are covered under it. If you rent your home, you need to insure the solar panel installation separately. If you have a flat roof, ask your insurance company if theft is covered. Some insurers do not pay out for damage caused by bad weather (storm, hail). Check with your insurance company about their policy. With regard to solar power/PV installations, insurers may have the following requirements:
A structural engineer must calculate the roof load and ensure that the maximum roof load is not exceeded after the installation of the system, taking into account extreme precipitation such as snow and water accumulation. The solar power installation must be designed and installed in accordance with Dutch standards NEN 1010:2015 + C1:2016 and NEN 7250. After completion, and every 5 years thereafter, an (inspection) inspection must be carried out by an inspection agency specializing in solar power installations, based on at least the standards NEN 1010 completion NEN-EN-IEC 62446 2016. Recommendations from the inspection report must be implemented no later than 2 months after the date of the inspection. An SCIOS Scope 12 inspection is not legally required, but can be required by contractual agreements and/or insurance companies. Scope 12 is the new standard for the inspection of PV systems.
