I was wondering how everyone is insuring their solar systems. Hopefully I can get some advise and maybe hear from others about past experiences. I am trying to gauge the risk involved with power surge.
A little bit of background. I live in a complex and five years ago I got a quote to specify my solar installation as an addition on my house policy. The specified items quote was very expensive (obviously) so the broker at the time recommended the value of the system be added to the house value and assured me the system was covered.
We have since moved the policy to a new broker and the new broker now says that I would not enjoy full cover for the system as indicated. I will be limited to the R50 000 electrical surge protection which is shared by the entire complex.
I currently have surge protection installed on the eskom input to the inverter as well as surge protection for the PV strings.
How prevalent is power surge damage to inverters and should I specify the inverter on the policy?
@plonkster would a surge from Eskom damage MPPT’s and Pylontechs or should they be spared?
I have a Victron Multiplus 2, Victron MPPT’s and Pylontech battery bank.
Obviously lightning will wipe out anything in its path, but I will be covered for lightning and hail damage to the panels.