Installing a set of home photovoltaic power station is becoming a new trend in energy-saving and environmentally friendly electricity use today. In addition to a large amount of capital investment in the early stage, the operation and maintenance of power stations and the risks they may encounter are also one of the concerns of users.
Mr. Li, who lives in Chancheng District, Foshan City, Guangdong Province, encountered such a problem.
On April 17, 2016, Nanzhuang Luoge Village Li Sheng’s distributed photovoltaic power generation equipment was partially damaged due to strong convection weather. Li Sheng reported the case on the 19th that the surveyor of the PICC Company completed the investigation on the same day. Li Sheng handed over the claim information on the 25th, and the PICC Company paid 6,270 yuan in compensation on the 26th. The "Investigation Report" is as follows: The accident occurred at the top of a building in Chancheng District, Foshan City, Guangdong Province. It was confirmed on the spot that the distributed photovoltaic power generation system installed by the insured was XX. It was confirmed that the entire power generation system consists of 26 photovoltaic panels, among which 5 photovoltaic panels were damaged and damaged due to the impact of a strong convective storm, and it needs to be replaced.
Insurance company conducted a liability analysis: According to the meteorological disaster report released by the Foshan Meteorological Bureau, it was confirmed that the accident belongs to the insurance liability scope of the policy. A loss calculation was also given: the insured proposed a repair fee of 6,600 yuan for the accident. According to the repair budget issued by "XX" company, the material fee is 1,100 yuan per photovoltaic panel, 5 pieces are 5,500 yuan in total, and the labor fee for transportation and replacement is 1,100 yuan. According to the cost of the photovoltaic system, the total cost is 36,055 yuan, totaling 26 pieces, which is about 1,386.73 yuan, which is consistent with the quotation of the repair unit. After market price investigation, the insured reported the damage to the insured. Therefore, the amount of losses of the insured person determined to be 6,600 yuan in this accident.
There is a certain deductible amount in the insurance policy claims. The absolute deductible amount of for each accident is 200 yuan or 5%. The higher the two shall prevail. Calculate the compensation amount = subject loss - deductible amount = 6600 yuan * (1-5%) = 6270 yuan. This is the entire process of Li Sheng’s photovoltaic power station receiving a claim of 6,270 yuan after the storm.
Risk Factors
In distributed power stations, the biggest risk actually occurs. first comes from overvoltage . The local voltage is too high to generate some arcs or other electric sparks, resulting in fire or other risks.
The second is the technical fault , which has defects during the design and installation process. So it is very bad if there are defects in design. According to our statistics, the most prone to problems is the confluent box, which is just such a small box, but due to wrong wire connection, false connection or poor sealing, there are many problems such as short circuit.
The third item is natural disaster , among which typhoon has the greatest impact on the power station. Our country's distribution is mainly concentrated in coastal areas, including Zhejiang and Jiangsu, and Guangdong and Fujian may also flourish in the future. These areas are also areas with typhoons, especially in Fujian and Guangdong, where typhoons are very severe every year.
In 2016, many natural disasters occurred in Yancheng, Jiangsu. Many power stations have too fast wind speeds, and many components are domineering by the typhoon, which is very serious.
When Zhejiang customers do distributed, Zhejiang insurance companies basically don’t want to do it. In insurance companies in Zhejiang, they suffer huge losses every year when typhoons come.
The fourth item of artificial destruction. is first of all, fire . The frequency of fires occurs very low, but the harm caused is still very great. Many customers, very high-quality roof holders, have not started to do distributed power generation for a long time. When we visited, they said that you were from the fourteenth or fifteenth group of people. I said why you haven't started yet? He said I was very afraid of fires, after all, it was something with electricity, and if there was a fire on my roof, it would be very unsubstantiable. The electricity bill saved in a year may be 1.8 million yuan, but in a fire, the following machinery and equipment will be tens of millions or hundreds of millions, which cannot be settled. So many customers are unwilling to do this.
From the perspective of the fire department, there is no way to use sand to extinguish fire from a high altitude, and this cannot be extinguished with water. Distributed power stations do not have circuit breaker protection devices and cannot be watered with water.If the firefighters do not understand and pour water directly on the photovoltaic panels, there is a risk of electric shock. Firefighters in the United States are very aware of this and keep burning it. Until the night, three-quarters of the area may be burned.
is followed by the phenomenon of trampling on component . Photovoltaic modules can withstand the pressure of several thousand Pa, but when two feet are concentrated on a certain point, they can completely break the module and even break into pieces. This is very serious. With the current battery cells and new silicon wafer technology, the battery cells are getting thinner and thinner, and the problem of battery cracking will bother everyone for a long time.
Reasonable risk aversion
Insurance is an effective means of risk prevention. Most people do not pay attention to it and always believe that bad things will not happen to them. Usually, after the power station suffers serious damage and losses, they realize the importance of ensuring the safety of assets through insurance.
What kind of insurance does a distributed photovoltaic power station have? Who should I contact after the accident, how to deal with it, how many days can I get the compensation, and how much can I pay? Please read patiently.
First understand the two nouns
claims limit: The insurer only bears compensation within the amount of losses agreed in advance. If the insurer exceeds the amount of losses, the insurer will not be liable for compensation.
Deductible: refers to the amount that the insured and the insured agree in advance that the amount of loss is within the specified amount, and the insured shall bear the loss on its own and the insured shall not be responsible for compensation.
Normally, the following two insurances will be insured
1. Property all insurance
Direct material damage or loss caused by natural disasters and accidents. Including: thunder, heavy rain, flood, wind tornado, hail, typhoon, hurricane , blizzard, ice , sandstorm, earthquake, tsunami, strike, riot, people's riots, theft/robbery, etc.
1, typhoon
claims limit: coastal areas, losses caused by typhoons of level 12 or above, the cumulative compensation limit is 40% of the total insurance amount.
Deductible: coastal areas, the losses caused by typhoons of level 12 or above are applicable to the deductible amount of RMB 5,000 per accident or 25% of the approved loss amount, whichever is higher.
2, earthquake
claims limit: compensation limit for each accident shall not exceed 80% of the main insurance amount.
Deductible: deductible for each accident shall not be less than RMB 10,000 or 5% of the loss amount, which shall be the highest of both.
3, other natural disasters
include: thunder, heavy rain, flood, wind tornado, hail, hurricane, blizzard, ice, sandstorm, tsunami, etc.
claims limit: insurance amount.
deductible: caused insured losses due to natural disasters. The absolute deductible for each accident is RMB 2,000 or 10% of the approved loss amount. The highest shall prevail.
4, other accidents
include: accidents caused by strikes, riots, public riots, theft/robbery and other non-natural disasters.
claims limit: insurance amount.
Deductible: RMB 1,000.
2. Third-party liability insurance
The insured's insurance property caused by a disaster or accident within the scope of insurance liability specified in the insurance policy, causing property losses or personal casualties of third parties, legally the insured shall bear the compensation liability, and the litigation expenses paid with the insured's consent in advance shall be responsible for compensation.
claims limit: insurance amount is 100,000 and below: the limit is 100,000; the insurance amount is 100,000 to 400,000 (inclusive): the limit is 200,000; the insurance amount is greater than 400,000: the limit is 300,000.
Deductible: Deductible for other accidents: RMB 1,000; the loss of the insured subject caused by natural disasters, the absolute deductible for each accident is RMB 2,000 or 10% of the approved loss amount, whichever is higher.
Extension clauses specially formulated by
1. Earthquake extension clauses
Due to earthquakes whose intensity reaches or exceeds the earthquake resistance standards of the insured subject, or the resulting tsunami, fire, or explosion caused by this, the insurer shall be responsible for compensation in accordance with the provisions of the insurance contract.
Note: The insurer is not responsible for compensation for the loss of the insured subject matter due to the failure of the building to meet the national building quality requirements (including seismic defense standards).
The insured shall provide the insurer with the insurer the certificate of seismic fortification compliance of the building itself, the building structure and the quality of the main raw materials. If the insured fails to provide the above-mentioned supporting materials or the supporting materials are not true, the insurer shall not bear the liability for compensation.
2. Theft/robbery extension clause
With the consent of both parties to the insurance contract, if the location address of the insurance subject is entered and exited by the electronic monitoring system due to violent means or recorded by the electronic monitoring system, and the public security department has proved that it was theft or robbery, the insurer shall be responsible for compensation in accordance with the provisions of this insurance contract.
The following losses insurer is not responsible for compensation for losses caused by direct or indirect participation in theft and collusion between inside and outside, and intentionally condoning others for theft or robbery.
The insured object's location address suffered theft loss in the theft or explosion.
Losses incurred without qualified anti-theft measures, without dedicated supervision or detailed records.
Theft losses occur during business or work or during entry and exit of the warehouse. The shortage found during
inventory.
Note: The insured object recovered by the insured person after fulfilling the compensation obligation and the insured person recovers will still belong to the insured person, and the insured person shall refund the compensation to the insured person; for the loss of the recovered insured subject matter, the insured person shall compensate the insured person in accordance with the provisions of this insurance contract.
4 steps to make an accident claim
First step: Register for accidents
Call the insurance company as soon as possible after the accident occurs (remember the number!), and call 120 emergency number if there is a human injury accident. When reporting the case, the time of the accident, the location of the accident, whether there is any personal casualties, preliminary losses, etc. will be notified according to the voice prompts, and the compensation investigation personnel will wait for the on-site inspection and determination of the damage.
Step 2: On-site inspection
investigation personnel will contact the reporter as soon as possible and inquire about the accident and guide the reporter to handle the accident. The reporter cooperates with the claimant to do a good job in the investigation and collect relevant information, and confirm the claims content, scope, amount, etc. of the accident.
Step 3: Submit information
The insured person provides relevant accident proof and supporting materials for the amount of loss; collect claims information according to the insurance company's requirements; and send the relevant information to the insurance company's after-sales service specialist.
Step 4: Insurance compensation
Insurance company reviews the claim documents and adjusts the losses based on the inspection situation and policy terms.
If the user submits the claims information and the collection account is accurate, the case can be closed on the same day and the claim will be paid within three working days.
After the accident, pay attention to three things,
try to take necessary and reasonable measures to prevent or reduce losses. Otherwise, the insurer shall not bear the liability for the expanded losses.
immediately notify the insurer and explain in writing the cause, process and loss of the accident; if the nature, cause, degree of loss of the insurance accident is difficult to determine if the insured accident is intentionally or due to gross negligence, the insurer shall not bear the liability for compensation for the undetermined part, except where the insurer has known or should promptly know that the insurance accident occurred through other channels.
protects the accident scene and allows and assists the insurer in conducting accident investigation; if the insurer refuses or hinders the insurer from conducting accident investigation, it is impossible to determine the cause of the accident or verify the loss, the insurer shall not bear the liability for the unverified part.
Quanminjun suggests: Friends who want to install photovoltaic power stations must not choose small integrators because of low prices. They must choose big brands to install from formal channels. Build a photovoltaic power station and spend tens of thousands of yuan. They need to pay more attention to product quality and after-sales service.
Source | Insurance part draws on photovoltaic think tank
