Solar panels are typically covered in your homeowners insurance as they are considered a permeant attachment to the property. There may be some exclusions, such as wind damage, you’d have to check your policy or talk to your Agent for specifics, as they may vary from carrier to carrier.
That was the case in 2011 when I put them up. In 2012 I just increase the dwelling coverage to reflect the investment.
2018 came and the woke company renewed with a blanket exclusion of all and any solar. They even decided to include batteries in the wording.
Now come 2022: I have $6000 in off-grid batteries and the ability to with a $3500 inverter, make power overnight. Nothing can be construed to be solar if operation is when the sun is down.
Batteries charge from the grid and are my generator replacement for any overnight utility outage.
They do not have the word generator in the exclusion. I suspect that would piss off too many customers.
This is the Florida Farm Bureau that is screwing us here in Florida.
I suspect if I have a loss involving the batteries or inverter I will have to sue them to get coverage on the basis this is a modern form of a generator, not solar.