Solar Slavery [RE-wrenches]

[Patrick Redgate]

Jeff:
The programs in CA have certainly created interest in solar but  this problem 
with insurance has been with  U.S. for quite some time  now.  Any time you 
put any body on a roof, an agent or carrier are gonna do  a double take 
(literally), and this co-insuring malarkey has been a god send to  the insurance biz.  
Subordination as a segment of the insurance industry  is, I imagine, larger 
than all of solar (in $'s).  
CalSeia has been  approaching brokers/carriers over the last few year and we 
are hoping that if  enough people sign on with one group, we can develop some 
clout.  The  problem is that many contractors are too busy to shop, waiting 
until it's time  to renew.  
So, when it is time to renew (or sooner), contact me or  anybody on the board 
of calseia.org, because I think we finally found an  national broker that can 
work with us.  You will not be required to be  certified or a member of any 
group.  We believe the more the merrier!   (PS - This is not an advertisement, 
even though it sure sounds like  one).

Pat Redgate
Left Coast Solar Bozo
AMECO


In a  message dated 12/22/2006 11:44:59 P.M. Pacific Standard Time,  
jryago at netscape.com writes:

I underatand that the Left Coast has more solar going on and the state  has 
started to add more regulations on the industry.   However, every  time a state 
or federal agency gets into a lawsuite for something, they sit down  and add 
another requirement in their bid specs to pass this risk on to someone  else, 
and in many cases thats bidders and contractors. 

What these pin  heads need to understand is thats why THEY have insurance.  
In other words,  if you have a $1 million dollar general liability policy, and 
they want you to  have $2 million, why not ask for $3 million, or $4 million, 
or $5 million.   Its all just a guess about risk.   All you need to do is play 
their  game there way - just turn in 2 or 3 bids for the same project and 
keep  everything the same except show a higher price for each level of insurance 
they  ask for.    When every project is $5000.00 higher and all they  get is 
added insurance, let them see that cost and that they are paying it not  you!

You let the public know all state funded (or rebate) solar projects  cost 20% 
more than the same exact system would cost installed in any other state  and 
why.    I say give the customer what they want.  If they  want you to be an 
insurance provider for them and protect them from every  possible risk, I say 
great, just sell them an insurance policy along with a  solar system and send 
them both invoices!

Jeff Yago
 


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