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diy solar

Who has got good/bad experiences with fire insurance together with a DIY solar installation?

rin67630

Solar Enthusiast
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Nort-Rhine-Westphlia Germany
I am afraid, I cannot provide a solid experience, but I would like to start a discussion about the risk involved with a self made solar installation, in case of fire.
I know that fire insurances love to find excuses not to pay in case of a mishap.
Surely it would be hard to escape their obligations on a single 100W panel and a small lead-acid battery, but where is the limit?
LiPo batteries are not a negligible fire risk...
DIY tinkerings could become a very expensive burden, in case of a mishap, isn't it?
 
I got a building permit and had it inspected and approved by the local governing board. I would hope that this would be enough evidence to use in your own favor.
Of course if the solar installation is done within a building permit and inspected, everything should be OK.
I meant the people who just tinker a solar thing without asking anyone.
 
Sorry to report: if you "just tinker" and it burns the house down, you might have difficulty filing a claim with the insurance company. For a small solar power setup that is only running a refrigerator and a few lights, and is totally "off grid", there is not likely to be much of a danger from fire. Build your system properly and don't do crazy experiments.

If you want your homeowner insurance to be reliable and willing to pay for solar damage, the system will HAVE to be installed and blessed by a specialist electrician, and by the local building inspection agency. In the USA their requirements for solar can vary wildly from one locality to another. In big cities it can be a major nightmare (I've heard stories about Chicago and NYC being especially hostile). Rural areas are usually much looser. Canada is similar though in higher latitudes the insolation is weaker and there is less opportunity to get a real benefit from solar power. In other countries like Australia there are official policies to encourage home solar so getting a building permit is not difficult. You will have to talk to a local professional if you want to be certain.
 
There are mountains of red tape and regulations around solar installations in Australia, grid tied or stand alone.

In some states you are permitted to install small DC only systems yourself, as in 75VA (no, there's not a k missing from that, nor any zeroes). Regardless of the DC side once AC is involved, ie you have an inverter, the work must be carried out be a licensed electrician. Likewise once the array voltage goes up, electrician is required for the DC side too.

You can install the racking, panels, conduit etc yourself but odds on from there on in an electrician will be required for all the wiring etc for it to be legal. The regulations are a never endingly moving target so anything I've said here may not be correct today, nor tomorrow.
 
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There are mountains of red tape and regulations around solar installations in Australia, grid tied or stand alone.

In some states you are permitted to install small DC only systems yourself, as in 75VA (no, there's not a k missing from that, nor any zeroes). Regardless of the DC side once AC is involved, ie you have an inverter, the work must be carried out be a licensed electrician. Likewise once the array voltage goes up, electrician is required for the DC side too.

You can install the racking, panels, conduit etc yourself but odds on from there on in an electrician will be required for all the wiring etc for it to be legal. The regulations are a never endingly moving target so anything I've said here may not be correct today, nor tomorrow.

Wow, that sure would limit the number of systems for people who want to and can do one but don't want to spend the high extra cost of an electrician.

It seems like in Virginia in the USA where I live, it's more of a middle ground. I was able to do ALL the work myself for my off-grid system (design, purchase, install) as long as I got a building permit and passed the inspection. There is always a risk of having to re-do something major that an electrician would have done correctly the first time, which would make you lose all the money you supposedly saved by not hiring one.

However, in my case it all passed inspection but you really have to do your homework to pass code. Trust me... I am an industrial engineer and following all the codes on this was not easy at all... I had to read up on so much material it almost made it not worth it. Now I respect electricians even more! like you can't image.

The other thing is when I considered just tying into the grid for a net meter, the electrical contractors I talked to wouldn't touch the project "with a 10 foot pole" unless they did/supervised ALL OF THE WORK.. installation of panels, all wiring, all breakers, all grounding, etc. I wanted to do 95% of the work so that was a no go for me.
 
Here I got an installation rejected, because I had tin-soldered the cable ends before putting them to screw terminals, as I always did.
That is not allowed any more in DE: you MUST use cable shoes. :rolleyes:
 
Here I got an installation rejected, because I had tin-soldered the cable ends before putting them to screw terminals, as I always did.
That is not allowed any more in DE: you MUST use cable shoes. :rolleyes:

What? That's ridiculous. You had a good connection no doubt. Is this NEC 2017 or 2020 do you think.. although any jurisdiction can adopt or not adopt codes as they need.
 
When I checked with my State Farm agent, unless the fire was arson, battery storage was ok. But I stick to UL listed equipment for my own piece of mind, minus the battery. Like Will says fuses & breaker sized for the wire is the ol safety first.
 
Agree. Make good connections and protect the wire from overheating. :)
 
If it were only that!
Meanwhile you have got such an inflation on regulations to follow, that you can't barely evaluate the legal risk that may cost you really big money in case of a mishap.

I am an engineer and know enough about wiring to wire my own power panel. HOWEVER HAVING SAID THAT, following the code for this solar project was a HUGE CHALLENGE. I read code until I was blue in the face. Almost wished I had not done this project myself. It is terribly cumbersome.. I get it that it saves lives and property.. I get that. And many times for a good reason though. But it is overwhelming.
 
I am an engineer and know enough about wiring to wire my own power panel. HOWEVER HAVING SAID THAT, following the code for this solar project was a HUGE CHALLENGE. I read code until I was blue in the face. Almost wished I had not done this project myself. It is terribly cumbersome.. I get it that it saves lives and property.. I get that. And many times for a good reason though. But it is overwhelming.
Besides the basics of wire gauge/current/placement and fuse size what subtle things did you find that you felt were necessary?
 
Besides the basics of wire gauge/current/placement and fuse size what subtle things did you find that you felt were necessary?

1) Label it, label it, label it. If yours in being inspected, buy yourself a nice $20 label applicator and label everything. Do it to the point of even being silly and obvious what the damn thing is... like "Charge Controller Monitor", "DC disconnect", "15A AC Breaker", "DC grounding bus", even the wire gauge and type ("8 AWG USE-2"), etc. My inspector commented that I obviously knew what I was doing (not so sure of that myself LOL!) and that it was labeled so nicely, anyone could follow it. So, take the extra time to wire it up neatly (all wires horizontal and vertical) and label everything. Post a laminated wiring diagram on your board even if it is hand drawn like mine was.

2) Go bigger on wire sizes whenever possible. I didn't want him to get out his calculator to determine if I needed to be 10 gauge or not on the combined DC wire.. so I bought 8 gauge.

3) My inspector was MORE INTERESTED in grounding than anything else. (After all, that is the main safety feature). I had to explain to him that I ran the 6 gauge bare copper ground wire in one solid piece, to my frame on the roof and attached them twice to each panel via WEEBS with grounding lugs... then run down and thru the isolator box and over to the main boards where all the boxes were tied to the grounding bus and then to the 2 8-ft grounding rods pounded into the ground 10 feet apart. He spend as much time looking at the grounding as he did the rest of the time checking everything else. He was not there 20 minutes. He got a "sense" that I knew what I was doing and just checked the critical stuff.

4) Customize your system LATER, after the inspection. Not saying to do anything out of code, but if you want to run a whole circuit to your pond pump underground, just run it to a circuit and a gang box.. and do the underground to the pond pump later and down the road. 2 reasons... 1) you'll get bogged down and never get it all done to be able to get it inspected (I had a 6 month time limit) and 2) it complicates their job by another factor.

5) Don't hesitate to re-do something if you later discover that you did it wrong. For example, I used leftover 20A GFCI duplex receptacles in one of my new 15A post-inverter circuits. Wire was 14/2 which is right for 15A, circuit breaker was rated for 15A but then it dawned on me that on weekend before my inspector was to show up for the inspection, that you aren't allowed to have a 20A receptacle in a 15A rated circuit. Why didn't I notice that before?? I'm such an idiot! So, I ran to Lowes and bought a 15A GFCI and redid it. I knew that if the inspector walked in and saw that first thing, he would question everything else more closely. Another example: Load versus Line for DC breaker box -- for panels versus charge controller was opposite what I initially thought made sense.. I probably rewired 5 different things like that that I didn't think thru very well the first time.


GOOD LUCK!
 
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