17/03/2023
Generators and Solar Systems
Solar panels, inverters and generators have become a part of daily life in South Africa.
Unfortunately, despite the huge benefits these systems bring we have also seen a marked increase in fire, theft and power surge claims as a result of their use.
Firstly, it is important to differentiate between a permanent electrical installation such as rooftop solar and battery back-up system versus a temporary mobile solution such as a plug-in inverter. A generator can be seen as either a fixed or mobile power source, depending on how it has been installed and connected.
A fixed installation will generally be covered by the building insurance if the sum insured is sufficient. However, certain cover restrictions and limits may apply, particularly with regard to theft (exterior fixtures and fittings) and power surge. Mobile units should be insured as contents or All Risk.
For both safety and insurance purposes it is critical that the relevant SANS regulations are fully complied with. SANS 10142-1-7:12 prescribes the minimum safety requirements for the use of alternative power sources.
Most importantly, all fixed installations must be installed by a registered electrician in accordance with the Electrical Installation Regulations and a Certificate of Compliance ‘COC’ must be issued. The COC will be requested in the event of a claim.
A further important requirement is that the roof structures must be able to support the system being installed. (SANS 10106:2014 5.3.1).
There are two options when insuring a system:
- Increase the building or centent sum insured.
- Specify the item separately.
"Courtesy of CIA insurance"
