Guidelines owners ought to know earlier than putting in solar energy

There are a number of pitfalls when utilizing photo voltaic polar that may end up in issues going improper through the insurance coverage claims stage, warns Elite Risk MD Tarina Vlok.

Elite Risk is a specialist excessive web price insurer and subsidiary of Old Mutual Insure.

Wealthy South Africans are lowering their reliance on Eskom’s nationwide grid by partially or absolutely changing their households to photo voltaic power.

Some want to escape the ever-increasing value hikes, and others desire a dependable energy provide free from load-shedding interruptions. Many need to do their half for the planet by utilizing cleaner power.

However, owners ought to guarantee their photo voltaic installations adjust to laws, so they don’t run into points with their insurer down the road.

“The installation of solar geyser systems differs immensely from that of an electrical system and is subject to strict regulations,” mentioned Vlok.

“We often have to reject claims or are unable to replace geysers because the previous installation did not comply with regulation.”

Full photo voltaic power installations are costly — starting from R80,000 for small grid-tied methods to over R500,000 to take a bigger home utterly off-grid.

“If you are spending this kind of money on a solar system, then it makes sense to work with qualified technicians and installers who know what they are doing,” mentioned Vlok.

“You don’t want any regrets should you need to ever claim from your insurer.”

Vlok famous that an engineer’s certificates have to be issued for all photo voltaic geyser installations of 300 litres or extra.

She additionally inspired shoppers to make sure that their photo voltaic geyser methods are put in by technicians who’re effectively versed with the laws and supported by the suitable engineering professionals.

“Policyholders should make sure that their installer demonstrates that they are familiar with the technical regulations relating to solar installations,” mentioned Vlok.

She summarised them as follows:

  • Installers should be sure that the roof construction can assist the photo voltaic system. (SANS 10106:2014 5.3.1)
  • Where it’s unattainable to conform, an expert engineer or registered technologist should design the set up in order that the usual’s security and efficiency rules are included. (SANS 10254 2017 and SANS 10106 2014 4.1.7)
  • Water heaters or storage tanks with a capability of 200 litres or extra will not be hooked up to a wall. (SANS 120252–1 2012
  • The photo voltaic system have to be put in in order that it doesn’t speed up the deterioration of the roof. (SANS 10400-L, SANS 10243, and SANS 10252–1)

To keep away from catastrophes relating to the claims stage, Vlok inspired policyholders to make use of their insurer’s community to search out accredited technicians and installers who can put the correct options in place.

“If your electrical geyser bursts and you want to replace it, some specialist insurers will offer you the opportunity to use the claim payment to pay either in part or full for a solar geyser system instead of a new electric geyser,” Vlok mentioned.

Now learn: Charging solar energy customers greater costs in South Africa — Eskom’s plans

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