The Florida Homeowner’s Solar Checklist

Start with the house, not the panel

A useful solar proposal begins with your last 12 months of electricity use, roof geometry, shade, roof age, electrical service, and the rules of your local utility. A panel count without that context is only a guess.

In Florida, the design also needs to respect wind-load requirements, roof attachment details, permitting, and the practical realities of homeowner’s insurance. Ask who is responsible for each step and what documentation you will receive.

Six items to verify before signing

• The production estimate uses your actual address, shade, roof planes, and recent energy history.
• The proposal separates cash price, financed price, fees, term, interest, and total payments.
• Savings assumptions match your utility’s current tariff and do not assume every future rate change.
• Equipment models, workmanship coverage, manufacturer warranties, and roof-penetration responsibilities are written down.
• The installer explains permits, inspections, interconnection, and permission to operate.
• You understand what happens if you sell the home, replace the roof, or need service later.

Treat incentives as a verification step

Federal and local incentives can change. The IRS currently states that the Residential Clean Energy Credit is not available for property placed in service after December 31, 2025. Florida still lists qualifying solar energy systems as exempt from state sales tax, and state law provides an assessment treatment for qualifying renewable energy devices. Confirm how any rule applies to you with a qualified tax professional before making a purchase decision.