With the increasing solar energy in Brazil, especially in the northern region, there is an increasingly common question between consumers and companies: Is it worth employing insurance for the solar system? Experts indicate that although it is still seen as optional, insurance can be a strategic investment to avoid damage and ensure the financial return of the system.
Protection against unexpected events
second Daniel ChristoBELém’s commercial manager, optical systems are subject to a series of risks that can be partially or completely efficient. For him, the main risks that justify the employment of exclusive solar panels are linked to climate events, accidents and abuse. Among the main reasons for the demand:
- Extreme climatic eventsLike strong winds and lightning – common during heavy rains in the capital of Barra;
- The fall of thingsLike branches and antennas, or even cement coming from neighboring buildings;
- Insufficient sabotage or use;
- FiresUsually, the result of reflective failure – the basic equipment for system operation.
The expert says that in the capital of Barra, for example, cases of damaged systems were completely or partially reported by rural storms during heavy rains. There are also situations that involve the fall of things, such as the branches of trees, antennas, and even building materials – a case that was reported that included the loss of half of the solar panels after the cement falls from the adjacent work.
Although it is not repeated, it shows that there are still damage records caused by misuse or accidents during maintenance. Daniel said: “It was an example of a system that stopped working after the employee’s launch on the paintings when making repairs on the water tank,” Daniel said. In addition toOr electrical failure or fires It also poses risks, especially when it reaches the inverter – the basic equipment for the transformation of the system and its operation.
“Even if the reports of sabotage or theft are rare in Belly, There are events related to climate and insufficient facilities and can cause related lossesDaniel warns.
A reasonable cost against risks
It is still according to the businessman, The cost of insurance is a small part of the amount invested in the installation The resulting economy is long -term. “It is a value that suits your pocket and brings a great calm, especially in places that have an unstable climate like us,” he says.
Daniel also draws attention to the need for attention at the time of employment:
- Ensure that the policy specifically covers the solar panels;
- Read the required installation and maintenance sentences carefully;
- Check if the compensation is sufficient to cover the actual replacement costs.
Coverage may vary between insurance companies
according to Lendro Vascoboss The North and Northeast Federation of Insurance Companies (SindSEGNNE)and The coverage of traffic systems is a great difference between insurance companies.
Some require employing a Specific coverage of solar panelsWithout it, damage is not covered such as wind storms or electrical failure. Others include automatic paintings in housing insurance, provided that the events are listed in the contract. “
Vasco warns of the importance of verification Exclusive itemsWhich can leave the panels without protected in some situations. He also stresses:
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The ceiling against theft requires a proven robbery;
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Simple thefts or disappearance are not covered without effects;
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Some insurance companies are offered Helping servicesLike cleaning and identifying failure, which Increases energy efficiency.
Safe solar energy: an ally of your investment
In short, although it was not yet required or was widely adopted, the securing of solar energy systems It can be an important difference in investment protection. Especially in areas like Belém, where the extreme climate events are not rare, relying on this security brings more peace of mind to the consumer.
Expert’s recommendation: Watch a reliable broker, compare policies and choose the perfect protection for your needs. After all, when it comes to clean energy and economics, Ensuring the continuity of the system is necessary.
