Your insurance company can accept your solar panels and still refuse to pay for them.
Most Florida homeowners and rental owners don’t find out until the claim.
We write HO-3 and DP-3 policies across Florida. Here’s what you need to know before you install, or if you already have panels on the roof.
1. “Allowed” is not “covered”
Some carriers will insure a home with solar and exclude the solar system itself. Others cover permanently attached panels under dwelling coverage, but only with an endorsement or extra underwriting conditions.
Same roof, same panels, very different outcomes.
Now picture this. A hurricane tears up your roof. Who pays for the panels? Who pays to remove and reinstall them so the roof can be replaced?
Get those answers before the storm. Not after.
2. DP-3 owners: you have more exposure than you think
A DP-3 is not an HO-3. Don’t assume it works like one.
On a rental or investment property, the details matter:
- Some carriers won’t write the property with solar at all.
- Some write it but exclude the panels.
- Some DP-3 forms include no liability coverage unless it’s added or bought separately.
Never assume your DP-3 covers your solar system. Never assume it satisfies your utility’s liability requirement.
3. Why does anyone need $1 million in liability?
Because your system is connected to the grid.
Once you’re feeding power back to the utility, there’s potential for bodily injury and property damage that reaches beyond your own four walls. That’s why Florida’s net-metering rule lets investor-owned utilities (FPL, Duke Energy Florida, TECO, and FPUC) require liability insurance on larger systems.
| System size (AC) | Investor-owned utility liability requirement |
| 10 kW or less (Tier 1) | Utility cannot require liability insurance |
| Over 10 kW up to 100 kW (Tier 2) | Up to $1 million |
| Over 100 kW up to 2 MW (Tier 3) | Up to $2 million |
Here’s the part most people miss. The state rule sets a ceiling. Your utility’s interconnection agreement sets the actual number, and many utilities require the full $1 million or $2 million. That document is what you have to satisfy.
Not every utility follows the same rulebook. Municipal utilities and electric cooperatives write their own interconnection agreements and can set different limits and terms. Read yours before you assume anything.
Lenders, lessors, and solar financing companies can also have their own insurance requirements.
And here’s the problem. Many homeowners policies and most DP-3s don’t offer a $1 million liability limit. So you could be ready to flip the switch and stuck on paperwork.
4. How Singh Insurance gets you to $1 million
We’re independent. We don’t sell one carrier’s product. We build the solution that fits your property.
Option 1: $1 million liability on your homeowners policy.
We now have access to a carrier offering $1 million in personal liability on eligible homes with a Replacement Cost Estimate of $500,000 or more. One policy. No extra layer.
Option 2: A standalone premises liability policy.
Keep your current property coverage and add the liability limit separately. This is often the answer for rental owners with a DP-3.
Option 3: A $1 million umbrella.
It sits on top of qualifying underlying policies and can also protect you from other covered liability claims, not just solar.
All options are subject to underwriting, policy terms, and exclusions. Not every liability policy or umbrella will satisfy a given utility’s requirement, so we confirm before you commit.
5. Ask these five questions before you install
- Will my carrier accept solar on this property?
- Are the panels and equipment actually covered for wind, hurricane, and other insured damage?
- Does my dwelling coverage or replacement cost estimate need to go up?
- Does my utility or lender require $1 million in liability?
- Can my current HO-3 or DP-3 meet that, or do I need something else?
If your agent can’t answer all five clearly, get a second opinion.
Don’t learn this the expensive way
You’re about to put tens of thousands of dollars on your roof. A coverage gap, an excluded system, or a liability limit that’s too low can turn that investment into a claim denial or a stalled interconnection.
One call fixes it.
Call Singh Insurance before you sign the solar contract, or today if the panels are already up.
We’ll review your policy, show you the gaps, and tell you exactly what it takes to fix them.
Singh Insurance and Financial Services LLC
Serving Florida homeowners and property investors.
www.singhinsurancegroup.com
Coverage and eligibility vary by carrier and policy. All coverage is subject to underwriting, applicable forms, exclusions, and policy conditions.