The Consumer Goods and Services Ombud (CGSO) has issued a cautionary notice to current and prospective solar system owners, citing a surge in complaints and insurance claims related to faulty or non-functional solar and generator systems. This trend is mirrored by insurers who report a noticeable increase in claims linked to substandard installations and equipment failures.

Common Issues with Solar Systems

1. Solar Panel Fires

Although rare, solar panel fires can cause severe damage. The leading cause is electrical faults—often due to faulty wiring, poor connections, low-grade components, short circuits, arcing, or deteriorating cables. These risks can be mitigated through professional installation, routine maintenance, and regular inspections.

Experts recommend maintaining a gap of 6–11 cm between the panels and the roof to help dissipate heat. A smaller gap increases the risk of overheating and more severe fire outbreaks.

2. Environmental Exposure

Because solar panels are typically installed in exposed areas, they are vulnerable to lightning strikes if not adequately grounded. Installing surge protection devices adds an important layer of safety.

3. Lack of Maintenance

Solar panels degrade over time due to constant exposure to the elements. Micro-cracks in the silicon and buildup of dirt or debris can reduce efficiency and even pose fire hazards. For example, partially covered panels may experience localised overheating, as obstructed cells act as resistors.

4. Theft

Solar panels and cables are valuable and increasingly targeted by thieves. Property owners are advised to:

• Install security cameras, alarms, and motion-sensor lighting;
• Use tamper-proof mountings; and
• Store inverters and batteries in locked enclosures.

Solar is an abundant, green energy source, but consumers must ensure compliance with all safety, legal, and insurance standards. Failing to do so could jeopardise insurance claims following a loss.

Disclaimer

This article is not intended as financial advice under the Financial Advisory and Intermediary Services Act (FAIS) of 2002. Policyholders should consult with their intermediaries and refer to their policy documents to understand the specific cover provided under their insurance policy.