Big solar panel problem — and how South African insurance companies handle it

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Stolen or damaged solar panels must be replaced with similar technology models, or customers may have to replace the entire system. MyBroadband asked insurance companies to explain how they deal with such circumstances.

The rapid advancement of solar panels could cause a significant problem when a replacement is needed, as they must be compatible with the rest of the system, and sourcing the right panels can be challenging.This raises the question — how would insurance companies handle such an eventuality?

“We did an installation two years ago, and about six months ago, the client had a panel stolen off his roof. One of them got stolen.” “To keep up with that is very difficult. For people that have a faulty panel two years down the line or have one stolen, as in our case, to find a replacement is very difficult,” he said.“Luckily, in our case, the customer’s insurance company paid for the panel with installation. We could find the correct panel for the customer to replace the stolen one,” Hattingh said.

“Homeowners are urged to adjust their total insured sum every six months to ensure they are adequately insured.” “Simply put, if you have 10 x 300-watt panels and one gets stolen, and 300-watt panels are not available, you could possibly replace the stolen one with a 325-watt panel,” Coetzee said.However, this is contrary to what Hattingh explained.

 

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Great article! Now I know never to consider KingPriceIns . And those who are with them, move as soon as you can

“Legally, insurers may not put clients in a better position…” is not part of SA insurance law and is not sound advice. The principle of betterment exists, but reasonableness still apply. Good luck KingPrice - customers will disappear as fast as electricity during loadshedding!

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