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Florida Solar Roof Insurance problem

Bluenoles

Member
Feb 28, 2019
14
8
Florida
Hi everyone I have a Tesla solar roof on order and my current homeowners insurance covers solar but excludes Tesla solar shingles . I called 3 other companies and I get the same response . I live in the Tampa Bay Area. Any existing solar roof owners have any recommendations?

Thanks in advanced!
 

ericl

Member
Aug 19, 2021
69
26
florida
Which did you do ?
My house was built in 1966. Since it was built, it has had 0 insurance claims and only 1 major Hurricane in this area. I live on Merritt Island on the Canal right by Kennedy Space Center (NASA has their launch facilities because this part of central Florida is rarely affected by storms).

I factored all of this in and I am considering to just exclude the roof (I am on Day 8 of install). My other option would be to carry no home owners insurance at all and just use personal liability + flood insurance (since I am waterfront) as my house is fully paid off. I figured if the small percentage chance my house gets devastated in a real hurricane, I can get a loan from FEMA to rebuild my old home lol. If any hail happens, I am going to use the Tesla warranty if any panels break - this is actually the biggest threat probability wise. I only paid 42k after rebate for the roof so its not like some of the installs in the 6 fig ballpark; my house is currently only insured for 240k. The niche provider is asking for 8.5k per year now... no freaking way.

Now if you are in Tampa, I know the gulf area has been getting hit pretty hard by the Hurricanes. Because of this I would go via a niche agency or off-exchange because I don't believe Tesla will honor the warranty if its a strong enough Hurricane. But you can roll the dice as well and just go with excluding the roof.

Additionally Citizens already added the Tesla roof into their system, but they don't cover it. If you can wait a year or two, I bet they will have enough data to factor in how much to charge for full coverage.
 

Chuckerrr

New Member
Nov 29, 2021
3
0
Florida
Hi everyone I have a Tesla solar roof on order and my current homeowners insurance covers solar but excludes Tesla solar shingles . I called 3 other companies and I get the same response . I live in the Tampa Bay Area. Any existing solar roof owners have any recommendations?

Thanks in advanced!
Did you find an insurance company?, I got my Tesla solar glass roof install last Mars and my insurance company just increased my premium by 65%…because of Tesla roof
 

holeydonut

Active Member
Supporting Member
Jun 27, 2020
2,680
2,010
East Bay NorCal
I wonder what the insurance companies in Florida have experienced to have them increase premiums so much to cover the solar glass/tile/roof/blah. Like as much as I want to believe Insurance companies just do a random dice-roll for their premiums, they usually do have some math based on models of similar/past experience and other independent variables that they can defend.

Have their been reports of Florida residents getting Tesla roofs that suffer issues or having difficulty getting repairs in a timely fashion?
 

jjrandorin

Moderator, Model 3, Tesla Energy Forums
Moderator
Nov 28, 2018
12,553
15,012
Riverside Co. CA
I wonder what the insurance companies in Florida have experienced to have them increase premiums so much to cover the solar glass/tile/roof/blah. Like as much as I want to believe Insurance companies just do a random dice-roll for their premiums, they usually do have some math based on models of similar/past experience and other independent variables that they can defend.

Have their been reports of Florida residents getting Tesla roofs that suffer issues or having difficulty getting repairs in a timely fashion?

I certainly dont know the answer to this question, but do remember discussion in this subforum about either wind or impact rating of the tesla solar roof tiles, and some places in florida having requirements around that.
 

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