American Integrity - is requesting a copy of the insured’s energy bill which will show the measurement of net metering portion and they will decide if eligible or ineligible.
The carrier will allow a little energy “buy back” from the overage of the panels. They just cannot accept them if they are primarily used for “feeding” the grid and a business venture.
They do not allow solar or energy companies to be added to the policy as an additional
insured.

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American Traditions - Allows Solar panels and net metering. Does not allow a company to be listed on the policy.

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Centauri - will accept standard solar panels, we will not accept any other form of solar panels like the Tesla roof, etc. The panels either need to be on the roof or in the yard. If on the home they are Coverage A, if they are not on the home they are Coverage B. They need to own the panels and we will not accept any on a buy-back program.

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Cypress - NO SOLAR ALLOWED

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Cabrillo / Safe Harbor - Solar panels and net metering are allowed- Excluded for wind If the insured owns Solar panels they are covered under the policy. If the company owns Solar panels the company is responsible to insure the panels.
If the roof is covered Under Coverage A. If not attached to the dwelling Covered under Coverage B

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Citizens - “Solar panels are on the roof, and the roof is covered under the policy. At the time of claim, it is up to the adjuster to decide if the panels are covered” Be sure the panels are included in RCE Per carrier, “We are not aware of or have information regarding Net Metering at this time. In other words, they will accept it for now, but subject to change once a claim is filed.

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Edison - NO SOLAR ALLOWED

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FL Penn - NO SOLAR ALLOWED

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FedNat - NO SOLAR ALLOWED

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Frontline - Solar allowed – no wind/hurricane coverage- Net metering ineligible

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Heritage - Solar Allowed – No wind or hail Coverage. Only coverage through AOP in case of fire. They do not allow net metering because they cannot list a company on the policy
 

Lighthouse - Solar panels allowed – No Hurricane Coverage. Net metering: carrier does allow it in FL as long as it is being done through the power company only, it can’t be leased or sold to individuals, also only the power company can be listed on
the policy as an additional interest.

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Monarch - Solar panels allowed- No coverage is excluded. Net metering is not allowed

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Olympus - Solar panels and net metering allowed- no coverage is excluded. Carrier advised No restrictions as of yet
 

Progressive - SOLAR ALLOWED – NO WIND /HURRICANE COVERAGE

 

Security First - Solar panels and net metering allowed- Hurricane excluded If the insured owns Solar panels they are covered under the policy. If the company owns Solar panels they are not covered under the policy
 

Safepoint - Solar panels are acceptable except for Tesla

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Southern Oak - Solar panels and net metering are not allowed. The only solar panels allowed are panels to heat a pool

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St Johns - Solar panels allowed. They have to be added to RCE. Covered under Coverage B if not attached to the dwelling. CSR I spoke with is not aware if there are any coverage exclusions. Carrier does not allow net metering

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Stillwater - ALLOWS NET METERING

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Tower Hill - Solar panels- are allowed- need to be added to RCE. If not attached to the dwelling would be covered under Coverage B. If a loss occurs Claims adjuster will determine if covered. Net metering is allowed However, does not extend any coverage to the electrical company or any coverage to a loss due to net metering.

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United - ALLOWS NET METERING

 

Universal – SOLAR ALLOWED – NO HURRICANE OR WIND