In the last decade, installation of photovoltaic panels has increased exponentially. As energy is a key factor in business growth, many companies have decided to install it in their industrial buildings or factories. This way, not only do they save on electricity, but they also reduce their carbon footprint.
Considerations prior to installation of photovoltaic panels
In Spain, 32% of companies already have solar panels, while 91% of those that do not yet have them are considering installing them.
The massive increase in interest in this renewable energy has led to many photovoltaic panel installers, who sometimes do not use the right materials or perform good installation and maintenance. And, as if this were not enough, they also take into account the added risk that this new installation poses for an industrial plant or factory.
Risks associated with the installation of photovoltaic panels
Fires caused by photovoltaic panels are the order of the day. Following these incidents, some companies have decided to remove their facilities from the decks in order to avoid risks.
The installation of photovoltaic panels on roofs or facades increases the risk. For this reason, before the installation is carried out, it is crucial to inform the insurance broker for two main reasons.
On the one hand, this new project must be assured and we must have specific coverage.
On the other hand, material assets in contact with panels either on facades or roofs or close to the installation may be affected by fire.
In addition, the insurance company should be informed of the intention to install the panels and should confirm coverage once appropriate engineering information is provided.
Risk management in photovoltaic panel installations
Risk management at PV panel installations is crucial to ensuring the safety and continuity of business operations. With the increase in incidents of fire caused by solar panels, it is essential to understand the associated risks and take appropriate preventive measures.
Key aspects of photovoltaic panel installation
Before installing photovoltaic panels, we should consult with risk management experts.
We explain in a summary form the good practices and considerations that claim the insurance companies to give coverage to the material assets when photovoltaic installations exist:
- Installation of photovoltaic panels on roofs with combustible materials should be avoided. It is much safer to install solar panels on the ground or on completely non-combustible decks. The facilities must be accessible for proper maintenance and to act in case of emergency. Current inverters must be well protected and away from combustible materials.
- Electrical failure as a cause of fire is very common. For this reason, installation must be carried out by approved electricians. On the other hand, cables must be well sealed and the entry points must be completely weatherproof, as well as protected and properly grounded.
- The structure and strength of the roof should be assessed against the weight of the installation, which must be well-secured. The weather conditions will also be taken into account.
- The installation must be equipped with switches to enable the power supply to be disconnected in the event of an incident.
In addition to a proper installation following the above points, it is necessary to carry out constant maintenance through tests and inspections that guarantee the correct functioning of photovoltaic panels. Thermal imaging should also be performed annually to detect heat points.
Before making a decision to install photovoltaic panels, we recommend informing the insurance broker to obtain appropriate risk management advice and protect the company’s facilities in case of fire.
At O.Brokers we understand the importance of protecting our clients’ assets and their investment in solar energy. Our team of insurance experts is ready to provide the specific coverage your photovoltaic panel project needs. We offer professional advice and guarantee the safety of the installations.
Contact us today for more information.
