Solar Power 101: How to use it, why it matters, and what it changes

Just when we thought we had turned a corner after 300 consecutive days of no loadshedding, the recent blackouts reminded us how fragile our power supply still is.

With energy uncertainty unfortunately still a reality, many homeowners are now looking beyond the quick fixes of generators for long-term ways to dodge the energy crisis. Marius Kemp, Head of Personal Underwriting at Santam suggests the perfect light, heat and energy source is right above you – solar power. “The use of solar is not just to keep the lights on but to protect homes, appliances, and daily routines from disruption,” he says.

Why you should consider solar energy
The savings potential of solar energy depends on the size of your home and type of system installed. Some homeowners have successfully reduced their electricity costs by up to 60% from the very first day, says Kemp. Whether you are integrating solar technology into a newly built energy-efficient home or upgrading an existing property, he says that solar not only enhances long-term savings but also increases property value.

In addition, solar systems have minimal maintenance requirements which is less than the traditional electric geysers. “Not only does this option offer financial benefits, but generating your own energy reduces your dependence on the national grid – providing stability and peace of mind,” believes Kemp.

Solar power generation systems as part of a homeowner’s building insurance coverage
If and when you install a solar power system in your home, it’s important to inform your insurer to have your building insurance sum adjusted accordingly.

“This is because the worth of a building includes all permanent fixtures and fittings connected to the residential structure, including solar power systems. It is essential that the insured amount correctly represents the present replacement value of the home and any additional structures on the property,” explains Kemp.

Kemp warns that failing to do so may result in underinsurance, meaning that if a claim is submitted, the payout could be lower than expected.

“Comprehensive building insurance is vital to protect homeowners from complete loss due to fire or extreme weather conditions as well as disasters like earthquakes,” says Kemp. Solar panels may also be damaged by falling objects, including hail or drones. Homeowners seeking full accidental damage coverage can opt for additional protection, such as accidental damage to fixed machinery, at an extra premium.

Installation and maintenance of solar
Installation is a complex process and must be done by a professional and reputable installer. “Make sure that you check the installer references and insist on a warranty and certificate of compliance (CoC),” advises Kemp. “Aside from a professional installer being able to expertly advise you on the best placement of your solar panels for optimal power generation, a reputable installer – and the correct installation documentation they provide you with will support any insurance claims you may need to make later on.”

Kemp emphasises that a solar power generating system is a significant investment for any home and should be safeguarded accordingly. “Homeowners should carefully vet their installer and ensure their insurance coverage is updated to protect this valuable, cost-saving addition”, concludes Kemp.