FAQ
Q: Are leases better than owning your system?
A: The decision to lease vs. purchase depends on your finances and your long-term goals—whether you are primarily motivated to maximize financial benefits or to reduce your emissions. According to Energy Sage, the main practical difference between leasing and buying is ownership. If you buy a solar panel system, you own the system either outright (if purchasing with cash) or after repaying your solar loan. If you lease the system or sign a power purchase agreement (PPA), a third party owns the solar panel system. This distinction impacts the cost, maintenance, terms, financial offsets, and savings/returns on the investment of your solar panel system. In addition, not all companies offer solar leases and/or PPAs—confirm that your chosen provider offers the financing option that you want. Learn more about the pros and cons of buying and leasing on our Payment Options page. You can also use the Institute for Local Self-Reliance's Ultimate Solar Calculator to compare buying vs. leasing.
Q: Are solar hot water panels safer than solar electric panels?
A: No. While there is no risk of shock or electrocution from a solar hot water panel, solar hot water panels pose different hazards. In some configurations, water in the panels could be at city-level pressure. It would also be 150˚ to 180˚F or hotter. Breaking the plumbing in such situations could result in a firefighter getting scalded. There is also the risk of glass breakage and injury from sharp metal edges if the frames are damaged.
Q: Are solar panels allowed by most HOAs?
A: In Texas, ALL HOAs must allow the installation of solar panels. It’s the law. The State of Texas passed HB-362 in 2011, prohibiting HOAs from restricting solar panels. There ARE some steps the homeowner must follow, but they ARE allowed to install solar panels in any HOA. Cities are advised to review HB-362 before considering restricting solar panels. For more information on solar rights and regulations, click here. For more information on how a municipality can engage HOAs in solar discussions, click here.
Q: Are solar panels available in colors to match roofing shingles and tile?
A: No. Solar cells must absorb as much light as possible. Changing their color would require a different mix of metals, substantially reducing their energy output (it has been tried). Cells are black, gray, or very dark blue because they absorb most of the light.
Q: Are solar panels available in shapes to match rooflines? If not, why?
A: No. There are too many different shapes and angles to the roofs around the country to make the manufacture of different shapes economical.
Q: Are solar panels heavy? How much load do they put on the roof?
A: No. They only LOOK heavy due to the aluminum frame. A 250 watt solar panel (typical size as of the date of this FAQ) weighs approximately 40 lbs. A 2,500 watt “array” - including the mounting rack - will add approximately 2.5 pounds per square foot to the roof.
Q: Are there example solar installations in the area that I can look at?
A: Since 2010, the North Texas Renewable Energy Group (NTREG) has organized the annual DFW Solar Tour, held in early October, to showcase both large and small solar installations located across the DFW region. While most locations are not open to the public the rest of the year, you can find a list of participating locations – with brief descriptions and pictures — from previous years here. Consider also reaching out to NTREG directly because many of their members are also solar owners and/or installers.
Q: Can solar panels support the weight of a firefighter?
A: “Solar shingles” can support the weight of a firefighter, but PV modules cannot. The glass of the modules will break. Do not step on or cut into PV panels during roof ventilation, especially during daylight. Find another place to ventilate if possible, or change your attack strategy.
Q: Can the water from a fire hose be sprayed directly at solar panels without damage to the panels?
A: It is questionable and depends on the force of the water involved. A safer approach would be to use a finer spray directed from an off-angle to the solar panel glass.
Q: Could glare from a PV installation cause danger or nuisance to others?
A: A common misconception about solar PV is that they can cause too much glare, posing a nuisance to neighbors or a safety risk to pilots. In truth, solar PV systems rely on solar absorption rather than reflection—PV panels must absorb solar radiation to convert to electricity. Moreover, PV panels are covered with an anti-reflective coating to prevent the possibility of dangerous glare. Questions about glare from PV have been studied in depth by the Federal Aviation Administration and by Sandia National Laboratories. You can check out Sandia National Laboratory's Glare analysis tools and this fact sheet for more information.
Q: Do Fannie Mae and Freddie Mac accept mortgages with solar PV involved?
A: Yes, but only if it’s “owned” by the building owner. Leases are not considered property to be included with the sale. See the Fannie Mae and Freddie Mac Guidelines.
Q: Do utility companies object if you connect solar panels to their power lines?
A: No. A connection agreement is required in virtually all cases. Some utility companies even provide incentives to reduce the cost of the equipment and provide credit for excess energy fed back into the utility grid. This has the net effect of decreasing utility bills, leaving more money in residents' pockets for other things, such as local shopping.
Q: Do you have to wash solar panels? If so how often, and isn't that dangerous for homeowners? If the owner doesn't wash them, how much do they have to pay to have someone do it?
A: Unless the panels are exceptionally dirty, no washing is needed. If a thick layer of dust or other material exists on the panels, a hose-end sprayer from the ground will work. Homeowners should not get on the roof to clean the panels.
Q: Does activating the “Rapid Shutdown” system turn off the solar panels?
A: No. It simply moves the point at which the solar panels are disconnected closer to the array. On the other side of the Rapid Disconnect hardware, the solar panels will still be generating voltage and current if they are illuminated.
Q: Does homeowners' insurance cover solar panels?
A: Often, yes. However, some companies will not. The homeowner will need to ask their insurance company. If the insurance company you are with does not cover solar panels and you want to add them to your home, shop around for a different insurance company.
Q: Does the inverter have to be replaced before the panels themselves wear out? How much does a new inverter cost?
A: No. There is a long-standing rumor in the solar industry that inverters “wear out” in 10 years and must be replaced. As long as the inverter is installed out of the sun, inverters today are designed for a 20+ year life. The price of a new inverter is not easily provided. There are dozens of manufacturers and hundreds of different models and variations of options to answer that question.
Q: How can I protect my community from misinformation and unscrupulous installers?
A: (Answer coming soon)
Q: How do communities handle the permitting process for solar installations?
A: For information on best practices for the permitting process, explore our resources on Creating a Permitting Checklist and Developing Criteria for Expedited Processes. You can also review the permitting processes of local cities that are pursuing a SolSmart designation on the SolSmart Permitting page.
Q: How do I get more information?
A: You can sign up for our email list to receive updates on Solar PV events, trainings, legislative items, and more.
Q: How do solar panels convert the Sun’s energy into electricity?
A: Photovoltaic systems, composed of solar cells, are able to convert sunlight directly into electricity. This, as described by the U.S. Department of Energy (DOE), is because PV cells are electricity-producing devices made of semiconductor materials. Simply put, a solar panel works by allowing photons, or particles of light, to knock electrons free from atoms, generating a flow of electricity. For additional details, see our page on How Solar Energy Works or read this explanation from LiveScience.
Q: How do we differentiate solar electric panels from solar hot water panels during a fire?
A: Solar hot water panels have plumbing attached to them. At least two pipes are needed - one for the incoming cool water, the other for the heated water to return to the storage tank. Solar electric systems have wires.
Q: How much does a solar installation cost?
A: The cost of a solar installation depends on multiple factors: 1) how you plan to finance the installation—cash, loan, or lease; 2) how much electricity you use; 3) the size of the installation; and 4) what incentives are available to you. In recent years, the cost of solar power has dropped significantly (89% from 2009 to 2019, according to Our World in Data), largely due to federal and state incentives. That being said, solar installations can involve a sizable upfront financial commitment. On average, the cost of solar installations range from $15k to $29k for a system sized between 4kW and 8kW (the average size of a residential solar system in the US is 5 kW). This will include the cost of all components - solar panels, panel mounts, inverter - and labor associated with installation. Typical payback periods, or the amount of time required to recover your cash outlay, range from 4 to 10 years. Tools for calculating a system's Return on Investment can be found on our Calculate Return on Investment page. Financing information can be found on our Payment Options page. To learn more about local incentives, visit our Available Incentives page or the comprehensive Database of State Incentives for Renewable & Efficiency (DSIRE) website.
Q: How much value will the system have at the time of sale?
A: The value must be determined by an Appraiser of appropriate certifications and experience.
Q: How much will it save us off our electric bill?
A: A common reason to install solar is to reduce your electricity bill. As with up-front costs, how much you save each month will depend on how much electricity you use and the size of your installation. Still, most can expect to see a significant decrease in your electricity bill. Homeowners and businesses across the company can save as much as $30,000 over their solar panels' lifespan.
Q: How should I prepare my home/business for solar?
A: There are two main things to consider when preparing your home for solar: 1) the condition of your roof, and 2) the energy efficiency of your home. First, before installing solar panels, you will want to ensure that your roof is in good condition and have it inspected by a professional roof contractor. Roof contractors will consider the roof age, roofing materials, ventilation and whether there are visible signs of damage. Most reputable roofing contractors provide free estimates, so this should not incur an additional cost. Second, you can maximize the benefits of solar by making your home as energy efficient as possible. For instance, you can weatherize your home and replace old inefficient appliances with Energy Star models. For more information on preparing your home/business for solar, visit our Steps for Going Solar page. You can also learn more about home energy efficiency from the U.S. Department of Energy.
Q: If seller's insurance will cover cost of re-roofing, does it also cover any extra cost of removing and reinstalling the panels?
A: A telephone survey of several insurance companies indicated in all cases the answer is “yes”. It is defined as work that must be done in conjunction with the repair. Verify this with your insurance company BEFORE a hail event.
Q: If the power grid goes down, will I still have electricity?
A: This depends on whether your solar system is connected to the grid. If it is, as in most cases, your system will shut down to protect your electric provider's linemen. On the other hand, if your home is off grid, you will not be impacted if the power grid is compromised. You can learn more from the Texas Solar Energy Society.
Q: If the property sells while we still have an active loan, can it be wrapped into the sale by the buyer?
A: Yes, in most cases it can. It is considered tangible property, along with the structure.
Q: If there is a solar electric system involved, will pulling the meter kill all power from the solar electric system?
A: No. The only thing it will stop is the electricity coming from the utility company. Although the inverter will not be operative, the solar panels will continue to generate voltage as long as they are illuminated. If a battery backup system is part of the solar electric system, removing the meter may activate it and cause some of the circuits in the structure to continue to be electrically “hot."
Q: If we have a security interest in the solar energy equipment, can it be insured against hail or other damage?
A: Yes, the same as the structure or any other asset you may secure under a loan.
Q: Is a Structural Professional Engineer required to analyze each residential roof for adequate strength?
A: If the house was built after the early 70s - when the International Residential Code began requiring 2x6 rafters on 24” centers, the answer is generally “no.” Three years of testing by Structural Engineers at Sandia National Laboratories, results of which were released in April 2016, found that roofs made using 2x6 lumber on 24” centers were 330% stronger than estimated by the Building Code. This is a substantially greater margin than needed to support a solar panel array with a dead-load of 2.5 lbs. per square foot.
Q: Is financing your Solar System difficult?
A: Numerous options exist on how to finance a solar system. The most common options are purchase, lease, or use of a power purchase agreement (PPA). Visit the our Payment Options to compare your financing options.
Q: Is solar buyback right for me?
A: Whether a solar buyback program is right for you depends on how much excess generation you produce, aka how much electricity your installation pushes to the grid. You can find your excess generation by downloading your daily consumption and generation meter readings (15-minute intervals) from Smart Meter Texas. To find available buy-back plans, visit the Power to Choose website.
Q: Is there an added cost to re-roof because of panels?
A: Yes, there is time and labor to remove and re-install the solar panels. Contact the installing company for assistance. This task should not be done by roofers.
Q: Is there any other needed routine maintenance of panels, attachments, or the inverter that homeowners might find onerous, or at least should be aware of, before they buy a house with solar on it?
A: No. Short of an occasional washing, residential solar electric systems require no maintenance.
Q: Is there software we can use to make an approximate value determination for ourselves?
A: Yes, but it will require some technical knowledge to answer some of the questions. The program “PV VALUE” was developed by the US Department of Energy and vetted though Sandia National Laboratory with the help of countless Appraisers, Real Estate Brokers and Agents, and others. It may be accessed here.
Q: Should I be concerned about ventilating in the vicinity of a PV array?
A: Yes. Wiring from PV arrays is required to be run sufficiently below the roof to provide a safe distance for ventilating. However, requiring it does not mean the installer followed the rules and that the wires in the attic are installed according to code. Wiring run below the roof deck is required by NEC Article 690 to have labels installed directly above the wiring on the roof-side of the deck. When fighting a fire, these markings may get burned away.
Q: We are interested in Solar, how can we get started?
A: The first steps to take are to educate yourself on the basics of solar energy systems and costs and to determine whether solar is workable for your home or business. Educational resources can be found on our Solar 101 page, which provides an introduction on the basics of solar energy, solar as an energy source, solar equipment, and key solar terminology. Helpful resources on going solar can be found on our Steps for Going Solar page, which contains a step-by-step guide on how to prepare your home for solar, size your system, explore financing and incentive options, choose a retail electric provider and a certified installer, and consider other options.
Q: We’ve been approached to finance a “Community Solar” project. What is “Community Solar”?
A: Community solar consists of a central installation that provides customers with an opportunity to opt into the solar installation and receive a proportional share of financial or energy output of the system, thereby allowing customers to realize the environmental and economic benefits of solar energy without requiring a solar installation of their own. For more information, visit our Community Solar page!
Q: What are steps I can take to encourage solar in my community?
A: One of the most important steps you can take to encourage solar in your community is to reduce the "soft costs" of solar - defined as business process or administrative costs that can increase the time and money it takes to install a solar system. See our page on Best Management Practices for Local Governments for a compilation of resources that will get you started. Another option is to pursue SolSmart designation, which provides high-profile, national recognition for communities that have made it cheaper and easier for solar customers to invest in solar energy. Communities pursuing this designation are eligible for no-cost technical assistance from a team of national solar and local government experts. Visit out SolSmart page to learn more about the program as well as to explore additional resources on encouraging solar in your community.
Q: What are the risk factors when lending for solar energy equipment?
A: Risk factors include the same concerns as for any other asset-based loan - financial strength and stability of the borrower, credit history, and so forth. There is also a difference. Unlike a piece of machinery, solar PV, once installed, has very little, if any, maintenance or overhead associated with it. Risk factors appear to be lower than for most equipment purchases. Properly designed and installed, a solar PV system will often have a net positive cash flow if the term of the loan and interest rate are appropriate. Calculations as of June 2016 have shown the value of energy produced to be equal to or greater than the monthly payment on a loan. If the borrower has a P&L and balance sheet that meet your criteria, odds are good to excellent that they will be paying the bank instead of the utility company. Once the loan is paid, their cash flow position improves by the amount of the loan payment and more, because the cost of the solar electricity does not increase with time as does the cost of utility energy.
Q: What benefits will the borrower inherit from installing solar PV on their home or business?
A: Benefits are several: 1) lower utility bills, 2) increased property valuation, 3) tax credits, 4) accelerated depreciation under the IRS “MACRS” program. The cost of the solar energy stays constant.
Q: What communities in North Texas have solar ordinances?
A: Increasingly, cities are choosing to address solar PV systems through specific ordinances. The American Planning Association maintains a list of the solar planning and zoning regulations, including direct links to the codes themselves. You can also view our Solar Ordinance Matrix, an overview of existing solar ordinances in the North Texas region. If you know of any ordinances not represented here, or of any information that has changed, please contact us to correct it! For more resources on how to address solar in the zoning code or adopt a solar ordinance, click here.
Q: What does "net zero" mean?
A: Net zero is synonymous with zero-energy consumption, meaning that the home's system requires less energy than it produces. When a home is net zero, excess produced electricity is fed into the grid.
Q: What does "PV" stand for?
A: PV stands for photovoltaics, which can literally be translated as light-electricity. This term has two parts: the first derived from the Greek word for light (photo) and the second in homage to the electricity pioneer Alessandro Volta (volt). You can learn more about PV on our Solar 101 page or at the U.S. Department of Energy's Photovoltaic Technology Basics website. Residential Solar 101 is another excellent resource to learn more about how PV cells work and solar terminology.
Q: What effect do solar panels have on nearby properties?
A: According to more than 25 years of studies and research, solar panels have no negative effect on property values of adjoining houses.
Q: What effect do solar panels have on value on the house on which they are mounted? If so, how much value, and how is the value estimated?
A: More than 25 years of studies and research have proven homes with solar panels generally sell from 4% to 50% faster and for a premium of $2 to $4 per installed watt than non-solar homes. The value of the solar panels are based in part on their original price and the amount of energy produced annually. This has a net effect of reducing the electrical utility bill year-round, which in turn adds value to a home - same as if the improvements were in energy efficiency aspects. In rare instances, the solar panels were a “neutral,” not aiding nor hindering the sale. In none of the thousands of sales were owned solar panels a negative. The same cannot be said of leased solar panels. In those cases, leased or third-party-owned systems on a residence where the homeowner has a contract (often long-term), buyers were wary and often walked away.
Q: What happens if the PV glass gets broken (or is already broken) during a fire or fire mitigation efforts?
A: If the incident occurs during the daytime or when the PV panels are illuminated, there is increased risk of electric shock if contact is made, or through water conductivity.
Q: What happens if the solar panels are damaged by hail?
A: If it is an system owned by the homeowner and properly insured, contact the insurance company. If it is a leased or third-party-owned system, contact the company; they are responsible for repair.
Q: What is "net metering?"
A: In some places around the country, utility companies offer net metering, which means solar owners earn money from their electricity provider if their installation generates more electricity than they can immediately use. In these cases, the excess power flows back to the utility grid, and utility companies will pay or give credit for this excess. Not all utilities offer net metering, so check with your electricity provider to see if net metering is available to you. Net metering is also known as solar buyback.