Fresno has one of the highest rates of residential solar adoption in the state, and it’s a question New Horizon Insurance Services hears often once the installation crew packs up and leaves. The short answer: yes, you should notify your insurer, even though the coverage picture is better than many homeowners expect.<\/p>\n
Standard homeowners insurance typically treats roof-mounted solar panels as part of the home’s structure, meaning they’re generally covered under your dwelling coverage against perils like fire, theft, vandalism, and certain storm damage. This is good news for most Fresno homeowners, since the majority of residential solar installations are roof-mounted.<\/p>\n
If your system sits on a detached structure or is ground-mounted rather than attached to your roof, it may fall under “other structures” coverage instead, or require a separate rider or endorsement entirely. This distinction catches homeowners off guard more than any other detail related to solar coverage.<\/p>\n
Getting this in writing before a claim ever happens can prevent a lot of confusion later. This connects to the broader roof-related coverage questions we’ve addressed for Fresno homeowners, including our post on roof age, material types, and insurance eligibility<\/a>, since solar installations and roof condition are often reviewed together during underwriting.<\/p>\n New Horizon Insurance Services in Fresno, CA helps homeowners confirm their solar investment is properly reflected in their home insurance. Visit New Horizon Insurance Services<\/a> today to talk through your coverage.<\/p>\n","protected":false},"excerpt":{"rendered":" “I Just Went Solar. Do I Need to Do Anything With My Home Insurance?” Fresno has one of the highest rates of residential solar adoption in the state, and it’s a question New Horizon Insurance Services hears often once the installation crew packs up and leaves. The short answer: yes, you should notify your insurer, […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[8,7,9],"class_list":["post-26","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-fresno","tag-home-insurance","tag-new-horizon-insurance-services"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t