Heated. Sorry for the pun, but it's difficult to choose another term that defines the current photovoltaic energy scenario in Brazil. Projections of ABSOLAR (Brazilian Photovoltaic Solar Energy Association) indicate that 9,4 GW will be added to the national grid in 2024.
The expectation is that, by the end of the year, the supply will have 45,5 GW in operation, increasing its participation in the Brazilian energy matrix, which until last year was already 13%.
Given this accelerated growth, it is also essential that consumers are aware of the importance of protecting your investment.
That's where the photovoltaic solar insurance presents itself as essential tools to mitigate financial risks and guarantee energy production, even in the face of unforeseen events.
Like so many others, insurance aimed at protecting solar panels normally has the function of guaranteeing maintenance or even the replacement of plates in cases of situations such as theft, natural damage (against events such as fires, lightning, gales, etc.) or engineering (linked to failures during installation or manufacturing defects in equipment), among other cases.
Given the high price of equipment for photovoltaic generation and the fact that they have a useful life spanning more than two decades, today the The cost of the policy is around 1% to 2% of the total value of a solar project, depending on the size, location and characteristics of each installation.
Security and predictability
Therefore, having this type of product brings numerous benefits to users, with emphasis, obviously, on the financial protection, as insurance tends to cover the costly repair or replacement of damaged panels.
Another benefit is linked to the continuity of energy production. This is because, in the event of adversity, the user has peace of mind that the insurance will quickly restore the equipment's operational capacity, minimizing energy or revenue losses.
It is also worth mentioning that taking out insurance can provide indirect benefits, such as the increase in value of the property itself. A safe and functional photovoltaic system tends to add value to the property, making it more attractive to potential buyers.
The importance of insurance
For all these reasons, today insurance is essential for all photovoltaic system owners. They play an important role in providing a safety net against various risks, ensuring that the benefits of your equipment are maximized.
However, it is worth highlighting the necessary care before contracting the financial product. At this point, it is interesting to evaluate the cost-benefit, paying attention to the list and coverage conditions, contracting rates, and even the type of contract, since there are already residential insurance policies that extend, to a certain extent, the warranty of photovoltaic kits. .
Choosing the ideal solar insurance also requires a detailed analysis of the different insurance companies available on the market, and it is essential to consider more than just the price when choosing so that the “cheap” option does not end up being expensive in the end.
The truth is that people should see insurance as a strategic and necessary investment protection measure. To achieve this, it is essential that solar panel owners are well informed and up to date with the market. Only then will it be possible to choose the insurance that best suits your specific needs.
The opinions and information expressed are the sole responsibility of the author and do not necessarily represent the official position of the author. Canal Solar.
