What is a Home Insurance Inventory and Why Do I Need One?

The secret is out: Portland, Maine is a great place to live. Friendly neighbors, excellent restaurants, and safety make it a popular choice for families and retirees.

Even in a safe place like Maine, bad things can happen. If you have to file a home insurance claim you want to be confident that your insurance policy will help get life back to normal. When it comes to home insurance, you want to know that your agent is on your side. The team at Noyes Hall & Allen Insurance has been committed to you since 1933.

How Does a Home Inventory Help Me?

When you file a home insurance claim, your insurance company needs to know what you lost. Then they pay you to replace it. Imagine after a tragedy trying to remember everything you had in your home, every drawer and cabinet. It’s overwhelming.

You can avoid stress and frustration by preparing a home inventory. This creates a record of all the rooms in your home and what was in them. You can do it with a video walkthrough of your home, computer spreadsheet or even on paper. Either way, aim for as much backup information as possible, and update periodically. Recording details like model numbers and receipts are a good start. Store the inventory in a safe place, and back it up in the cloud or in your safe deposit box.

Are you buying a home or condo in the Portland, ME area? Are you considering changing insurance companies?  Call an experienced Noyes Hall & Allen Insurance agent at 207-799-5541.

We are independent agents. That means we offer you lots of choices from a wide variety of insurance companies. We will help you find the best value for the coverage you need. We’re independent and committed to you.

Understanding Conditional Renewal of Insurance Policies

Conditional renewal occurs when your insurance company makes changes to your policy that you did not request. These changes can range from minor adjustments to significant alterations. It’s essential to understand what these changes mean for you..

Insurance companies often change underwriting requirements. They often “grandfather” in-force policies from these changes. But sometimes conditions change dramatically. Then the insurance company decides to make wholesale changes, even to in-force policies. Or, the insurance company may take a specific action on your policy.

These are the most common changes in a conditional renewal:

  • Deductible changes – This could mean an increased deductible or the introduction of a new type, such as a separate wind or hurricane deductible.
  • Liability Limits – Your liability insurance protection might be reduced, for example, from $500,000 to $100,000.
  • Coverage exclusions or reductions – Certain coverages, like towing or roadside assistance, might be removed or reduced.
  • Large rate increases – Some states require notification of significant price increases, though this is not the case in Maine.

Your insurer might be implementing an across-the-board change, such as a new minimum deductible or a wind deductible for any property in a certain location.

Or the underwriter could be taking specific action on your policy. This is usually in response to claims or some condition that they’ve identified. In this kind of conditional renewal the notice will list the reasons.

No, a conditional renewal is NOT a non-renewal. The insurance company is offering to renew your policy, however with different terms than before. On the other hand, if the insurance company mails you a Notice of Nonrenewal, they are terminating your contract.

You’re not required to accept the conditional renewal, but it might still be the best deal for you. Conditional renewal is often a re-calibration to the market. In other words, your insurance company is doing what most new insurers would do.

However, you can check with your Noyes Hall & Allen agent to see what they think. We offer a choice of several insurance companies. That gives us good perspective on the market so that we can provide personal advice for your specific situation. We like to say we’re independent and committed to you.

Maine Swimming Pool Insurance

Despite Maine’s cool, wet June weather, pool season is here once again. Swimming pool insurance is important to protect your family, friends and financial assets.

Swimming pool insurance is an important purchase for a pool owner

Drowning is second only to auto accidents as the most common cause of unintentional injury-related death for children under 14, according to the American Red Cross. According to an ARC survey, 48% of respondents said they had nearly drowned at some point in their life.

Pool injuries aren’t limited to the water, either. Slippery deck surfaces and other equipment can cause trouble too. The Red Cross’ web site has excellent water safety advice.

Make Sure Your Pool is Up to Code

Plumbing, fencing and deck requirements can vary by locality. If your pool doesn’t meet current codes, your risk increases greatly.

Supervise Pool Activity

And it only takes seconds for tragedy to happen. Make sure a strong-swimming adult is present when the pool is in use. Use an alarm to prevent accidental, unsupervised or unwanted use of your pool.

Pool Insurance Requires a Fence and Lock

This is required in most locales for in-ground pools and for many above-ground pools.

Carry Adequate Pool Insurance

If someone is hurt while using your pool, insurance may be the only thing between you and bankruptcy. Make sure your liability limits are high enough to protect your net worth and earnings potential. A great idea: buy an umbrella policy, which provides even higher limits than homeowners coverage.

Consult Your Insurance Agent

Many insurers do not charge an extra premium for swimming pools, but they usually have underwriting requirements. These are designed to manage the company’s – and your – risk. For example, many companies will not insure pools with slides or diving boards, or without locking fences.

Don’t let tragedy spoil your summer fun when warmer weather finally comes to Maine. If you live in southern Maine and have a swimming pool, contact Noyes Hall & Allen Insurance for a review. We offer a choice of Maine’s top insurance companies. We’re independent and committed to you.

Navigating Maine Property Insurance in 2024

It’s clear that Maine property insurance is facing challenges in 2024. Homeowners are feeling the impact. Rising rates, policy cancellations and coverage cutbacks are common. It’s not just a coastal problem. People all over Maine are discovering that insurance underwriters hold the cards in this market. How and why is the insurance market so hard right now? Do you have any recourse? What can you do to control costs?

Maine property insurance is facing challenges in 2024

There are many reasons, but they all come down to cost. Insurance is designed to share costs and spread risk. Claims of the few are paid by the many through insurance premiums. Insurance companies are well-funded. They have reserves to pay out more than they collect in premiums for a short time. But those costs are then passed on. Otherwise, the system falls apart and everyone loses.

Insurance claim costs have spiked in many areas for various reasons. They include:

  • Inflation in materials – Rising costs for building materials, auto parts, and medical supplies contribute to higher claim expenses.
  • Increased claim severity – More frequent and severe weather events, changes in property use, and an increased number of seasonal and secondary properties lead to larger claims.
  • Rising labor prices – Worker shortages, wage increases, and legislative impacts affect repair costs.
  • Longer repair times – Shortages in parts, materials, and labor result in extended repair durations, impacting expenses for auto rentals, temporary housing, and commercial relocation.
  • Reinsurance costs – Insurance companies buy reinsurance to protect themselves from disasters. Shrinking reinsurance capacity since 2020 has led to price hikes for insurers.

Mainers often think that weather disasters happen “somewhere else”. But they do happen here. And lately they’ve been more frequent.

Verisk defines a catastrophe (“CAT”) as an event resulting in more than $25 million in insured losses. Regional insurers may see an average of 4-5 “CAT” events per year in Northern New England. In 2023 there were 8.

There aren’t just more catastrophes than normal. They’re bigger too. Their 2023 expected payout for damage from CAT claims was nearly 8X an average year. We don’t see signs of improvement right away. 2024 started with a major wind and rainstorm.

Maine property owners are seeing a lot of changes in their insurance. Most of it is not good news. Here are some things you might experience:

  • Increasing rates – Even homeowners with no claims experience are facing rising rates, with the current average increase around 17% in Maine.
  • Saying “no” -Moving to a different insurance company during this time can be risky, as many insurers decline to quote on properties they consider higher risk.
  • Tougher inspections – Insurers are inspecting properties more often and more closely. They’re focusing on roof condition and overhanging trees. Some are even using aerial photographs to spot hazards.
  • Bumping deductibles – Many coastal properties now have big wind deductibles. Some insurers are increasing deductibles across the board. Others are only increasing deductibles if you’ve had several claims.
  • Mandatory alarms – Insurers require owners of high value or secondary homes to install central alarm systems to warn against water leakage, low temperature, fire and burglary.
  • Required increases in insurance amount – Building material and labor cost increases mean higher costs to rebuild your home. Insurers review that cost periodically and require you to insure to the full rebuilding cost. (Although it costs more, it’s important to make sure you have enough insurance to rebuild – this is a benefit).
  • Cancellation or non-renewal – Insurers may cancel policies due to claims or if homeowners fail to make necessary improvements after an inspection.

The Maine Bureau of Insurance plays a crucial role in regulating insurance companies offering Maine property insurance. Here are some key points:

Rate Approval and Policy Changes

  • The Bureau approves rates for insurers authorized to do business in Maine.
  • They also permit cancellation or non-renewal for certain reasons. Those reasons include failure to comply with reasonable loss control recommendations or failure to permit inspection.
  • Insurers can make changes to policy terms, which is known as a “conditional renewal.”
  • If an insurer decides not to renew your policy, they must send you a “legal notice of non-renewal.”

Challenging a Non-Renewal

  • As a policyholder, you have the right to challenge non-renewal by appealing to the Maine Bureau of Insurance.
  • However, insurers typically adhere to non-renewal rules, making successful appeals less common.

Although you can’t completely avoid large market forces, you can do some things to control your Maine property insurance costs and protect your property.

  • Pro-actively protect your property – regularly trim trees and shrubs away from buildings. Install a generator or backup sump pump. Keep gutters clean. Use a low-temperature alarm if you’re often away from the property.
  • Keep up on maintenance – take care of peeling paint or moss or debris on your roof. Replace roof shingles before you get water damage (hint: like tires, shingles don’t usually last as long as the warranty may say).
  • Stay claim-free – Small insurance claims sit on your record for 5 years or more. Many insurance companies decline to insure new properties if they have multiple property claims.
  • Watch your credit score – insurers “score” policies to set rates. An insurance score is closely related to your credit score. The better your score, the lower your rate.
  • Choose a local insurance agent – Local knowledge can be the difference between getting property insurance and not. National insurers and 800 number agents don’t know your area like a local advocate.
  • Communicate with your insurance agent. Let them know if you make improvements, install alarms or generators, or pay off your mortgage. All of those might reduce your insurance premium.

If you own property in Southern Maine, contact a Noyes Hall & Allen Insurance agent in South Portland at 207-799-5541. We offer a choice of Maine’s top insurance companies. While we don’t control the market, we have a good perspective on current conditions. We can help you find the best fit and value for your property insurance.

We’re independent and committed to you.

Maine Insurance Rates 2024 Home and Auto Update

Maine insurance rates follow national and local trends and claim experience. Home and auto rates continue to rise as insurers and customers struggle with rising costs. Portland Maine area insurance buyers saw more than a 15% price increase in 2023. Industry experts expect this to continue in 2024. Still, Maine insurance rates remain among the lowest in the US.

Portland Maine area auto insurance rates jumped 14.4% on average in 2023. The average annual auto insurance policy in Cumberland County now costs $1475 per year.

According to a report by Insurify, personal auto prices were up 17% countrywide in the first half of 2023. The Bureau of Labor Statistics reported that auto insurance prices increased 20.3% in 2023. Maine rates increased even more: 28% statewide, according to Insurify. That was the 6th highest rate in the US.

Source: State of Auto Insurance in 2024 – ValuePenguin

Several factors put strong upward pressure on auto insurance rates everywhere in the US:

  • Used auto prices are at an all-time high.
  • New vehicles have much more technology, which makes parts more expensive to replace.
  • Auto body shops are backlogged, increasing auto rental costs
  • Auto parts and labor remain scarce, increasing prices
  • Medical care inflation is high.
Maine insurance rates - 2024 auto

Will auto insurance rates level off in 2024? We don’t see any signs that they will. Neither does the financial advice site Motley Fool.

The good news is that Maine auto insurance rates are the lowest in the US according to the Value Penguin “State of Auto Insurance 2024” report. They report that the average Mainer pays $92 per month for car insurance, 44% less than the national average.

Maine home insurance rate increases continue to outpace even large auto insurance increases. The average home insurance premium was 17.7% higher than a year ago. The end is not in sight yet, as US home insurers report record losses from weather events and historically high rebuilding costs.

Many of the same insurance inflationary factors described above affect home insurance. But reinsurance costs remain one of the biggest drivers of property insurance rates. Reinsurance is insurance for insurance companies. It protects them against catastrophic losses from natural disasters like wildfires, blizzards, ice storms, hurricanes and tornadoes. Many insurance companies continue to see their reinsurance costs jump 30-50% this year. Insurance companies pass on that cost to their customers.

Although this isn’t great news for Mainers, we’re better off than many areas of the country. Extreme weather has caused wildfires in the west and north, tornadoes and heat in the south and torrential rains elsewhere. Insurance companies have responded by canceling policies in Florida, Louisiana and California, and reducing their new policy offerings elsewhere.

Maine insurance rates - 2024 Homeowners

Most financial advisors recommend comparing to get the best insurance value. If you live in southern Maine, you can get up to 5 insurance quotes in 10 minutes from our website. Or contact a Noyes Hall & Allen agent in South Portland at 207-799-5541 for a free no-obligation custom review.

For more than 80 years, we’ve helped southern Mainers navigate the insurance market. While we don’t have any control over prices, we offer a choice of several insurance companies. That means we can help you find the best insurance value in any market.

We’re independent and committed to you.

Understanding Home Appraisal and Its Role in Home Insurance

Home appraisal is a critical part of the home-buying process, but did you know it can also plays a significant role in your home insurance? Noyes Hall & Allen Insurance, serving the greater Portland, ME, area, wants to help you understand how appraisals impact your insurance coverage.

What Is a Home Appraisal?

A home appraisal is a professional assessment of your property’s market value conducted by a licensed appraiser. They consider factors like your home’s condition, size, location, and recent comparable property sales to determine its fair market value.

The Connection to Home Insurance:

  1. Setting Coverage Limits: The appraised value is different than the insurance amount. Insurers use rebuilding cost to determine the appropriate coverage limits for your home insurance policy. That can be more or less than the market value. You want to be sure you have enough coverage to rebuild or repair your home in case of damage or loss.
  2. Avoid Being Underinsured: You might underestimate your home’s replacement cost without an accurate replacement cost estimate. In the event of a claim, this could leave you with insufficient coverage to fully recover your losses.
  3. Premium Calculations: Your home appraisal can document factors that influence your insurance premiums. For example, a new roof, heating system or other update that can reduce your insurance cost.  It can also flag repairs or updates that need to be made, which can increase costs.

Using Your Home Appraisal for Insurance:

  1. Share It with Your Agent: Provide a copy of your home appraisal if they ask for it. Depending on other information that’s available, they may not need it.
  2. Consider Special Coverage: If your home has unique features or high-value items, consider customizing your policy that provide additional coverage beyond standard limits.
  3. A Home Appraisal is Not an Insurance Inspection: after they write your policy, your insurance company will inspect your home. That’s different than a real estate appraisal or a pre-purchase inspection. Here’s what to expect from an insurance inspection.

If you have questions about a home appraisal or home insurance, contact Noyes Hall & Allen Insurance, serving the Portland, ME area at 207-799-5541.

Should You Install a Water Shutoff?

A water shutoff system can help avoid a common cause of building damage: water leaks. They aren’t cheap, but neither is water damage. Some insurers offer discount codes for these systems. Installing one may also qualify you for an insurance discount.

Water shutoff systems can minimize damage from plumbing leaks.

Water – The Most Common Property Insurance Claim

Most home and business owners worry about fire or theft damaging their property. But water damage is far more likely. According to Leak Defense, you are 7X more likely to have water damage than a fire. Moreover, water losses are 6X more common than burglaries.

There are 2 broad categories of water damage:

  • Weather related water damage such as: ice dams; wind-driven rain; or backup of sewers or drains.
  • Non-weather related water damage such as: plumbing leaks; tub overflows; or frozen pipes.

Water Damage is Expensive and Disruptive

Water damage is expensive. The average 2018 water damage claim for Hanover Insurance was $10,849. That’s just the water damage, not including the insurance deductible or the plumber’s bill to fix a leaky fixture. And costs have only increased since then. This Hanover Insurance infographic shows that buildings older than 20 years are more likely to have issues.

Water damage also disrupts your life or business. Hanover reported that the average length of impact from water damage to homes was 3 to 6 months. In severe cases, that can mean moving out of your home during repairs.

Water Shutoff Valves Can Minimize Losses

A water shutoff system does just what its name suggests. It monitors water flow in a building’s plumbing and automatically shuts off the water when it detects too much. It also alerts the building owner or manager so they can correct the problem.

The longer water flows from a leak, the more damage it causes. Shutting the water off quickly reduces the extent of water damage. That can be the difference between a minor mess and a major disaster.

How Much Do Water Shutoff Systems Cost?

Prices vary from building to building. For example, a professionally installed shutoff device in a home might cost $3,000 to $5,500. Commercial installations would cost more.

Sensor systems without shutoff valves can cost as little as $100 and you can install them yourself. However, low-cost sensors only alert you. They don’t shut off the water, which is so important to reduce damage.

Some insurance companies offer discount codes or special pricing for water shutoff systems. Check with your agent to see if your insurance company does this.

Insurance Discounts for Automatic Water Shutoffs

Many insurance companies offer discounts for customers who install automatic water shutoffs. Although the discount is only a fraction of the cost of the system, it helps offset the cost and rewards those who take this extra step to protect their property.

Not every system qualifies. Most insurers require:

  • Automatic water shutoff valve
  • 24/7 reporting to a monitored service
  • an approved vendor. This varies by insurance company. Check with your agent before you commit to install one.

Answers to Your Water Damage Insurance Questions

Do you own a home, condo or business in the Portland Maine area? Contact a Noyes Hall & Allen Insurance agent in South Portland. We offer a choice of Maine’s top personal and business insurance companies. That means we can search and compare for the best value for you.

We’re independent and committed to you.

What is Personal Injury Liability Coverage?

Personal injury liability coverage fills an important coverage gap in many policies. Off-the-shelf personal and business liability policies cover Bodily Injury and Property Damage. But you can be sued for reasons that fall between the cracks.

Personal injury liability insurance fills an important coverage gap in most policies.

What Is Personal Injury Liability?

Personal injury means non-physical injuries. Some examples:

  • Invasion of Privacy – interfering with someone’s right to be left alone or to control their personal space or information.
  • Libel – writing, posting or publishing something false or damaging about someone.
  • Slander – saying or broadcasting something false or damaging about someone.
  • False arrest – detaining someone without legal authority or justification.
  • Malicious prosecution – bringing legal action against someone with the intent to harm them. Suing someone without reasonable grounds.

This coverage is not included in the standard homeowners, renters, condo or business liability policies. You can usually add it for a small additional premium.

What Are Some Examples of Personal Injury Liability Claims?

  • A person posts on Instagram about a negative experience at a restaurant. The restaurant owner sues for libel.
  • A landlord enters an apartment to check something while the tenant isn’t home. The tenant finds out and sues for invasion of privacy.
  • At happy hour, a golf club member tells others that a certain member cheats. That member sues the accuser for slander.
  • A homeowner sees someone in the neighborhood who looks suspicious to them. They call the police and detain them until the police arrive. The person is actually a fellow resident out for a walk. They sue the caller for false arrest.
  • A parent posts photos online of their child’s soccer game. Another parent sues the poster for invasion of privacy.
  • A store owner accuses teen of shoplifting. They keep them in the store until the police arrive. Even though the police confiscate the stolen items, the teen’s parents sue the store for false arrest.
  • A resident puts a large sign on their lawn, against HOA rules. Another neighbor complains. The neighbor with the sign sues the other for malicious prosecution.

What Does Personal Injury Liability Insurance Pay For?

If someone sues you for these types of injuries, Personal Injury insurance can:

  • Provide an attorney to defend you – even if the claim is baseless.
  • Pay legal fees and court costs
  • Pay settlements or judgments

Who Needs Personal Injury Coverage?

Almost everyone is exposed to personal injury liability. For example, if you or a family member:

  • Live, work or go to school near other people
  • Have a high-profile job or volunteer position
  • Use social media
  • Own income property
  • Encounter someone with a history of disputes with others.

Liability Insurance in Maine

Do you live or own a business in Southern Maine? Looking for answers about liability insurance? Contact a Noyes Hall & Allen Insurance agent in South Portland. We offer a choice of Maine’s top insurance companies. We’ll do our best to help you find the right coverage within your budget.

We’re independent and committed to you.


Maine Insurance Rates 2Q 2023 Home and Auto Update

Maine insurance rates are affected by national and local trends. Home and auto rates continue to jump as insurers and customers struggle with rising claim costs and construction values. Portland Maine area insurance buyers saw almost a 15% price increase in the 2nd quarter of 2023. Still, Maine insurance rates remain among the lowest in the US.

Maine Insurance Rates – April to June 2023 – Auto

In the 2nd quarter of 2023, Portland Maine area auto insurance rates jumped 11.6% on average at renewal, up from 2% a year ago. The average annual auto insurance policy in Cumberland County costs $1374 per year.

According to a report by Insurify, personal auto prices were up 17% countrywide in the first half of 2023. Insurify says that Maine rates increased even more: 28% statewide. That was the 6th highest rate in the US.

Maine insurance rates for auto rose 11.6% in 2Q 2023.

Insurers continued to report higher than expected losses as body shops and mechanical repair shops passed along higher costs. Used auto prices spiked during COVID and settled above pre-pandemic levels. Finally, auto rental times remain very long as body shops require much more time to schedule repairs. All of these factors, along with medical cost increases, put strong upward pressure on auto insurance rates in 2Q 2023.

Maine Insurance Rates – Home – April to June 2023

Maine home insurance rate increases continue to outpace even large auto insurance increases. The average home insurance premium was 13.3% higher than a year ago. That’s up from 4% a year ago. The end is not in sight yet.

Maine insurance rates for homeowners rose 13.3% in 2Q 2023.

Many of the same inflationary pressures pushed home prices higher. Building materials and labor costs have dropped from post-COVID peaks, but remain historically high. It’s been difficult and expensive to find contractors. That delays repairs and increases claim costs.

But reinsurance costs remain one of the biggest drivers of property insurance rates. Reinsurance is insurance for insurance companies. It protects them against catastrophic losses from natural disasters like wildfires, blizzards, ice storms, hurricanes and tornadoes. Many insurance companies continue to see their reinsurance costs jump 30-50% this year. Insurance companies must pass on that cost to their customers.

Although this isn’t great news for Mainers, we’re better off than many areas of the country. Extreme weather has caused wildfires in the west and north, tornadoes and heat in the south and torrential rains elsewhere. Insurance companies have responded by canceling policies in Florida, Louisiana and California, and reducing their new policy offerings elsewhere.

Compare Your Options with an Independent Agent

Most financial advisors recommend comparing to get the best insurance value. If you live in southern Maine, you can get up to 5 insurance quotes in 10 minutes from our website. Or contact a Noyes Hall & Allen agent in South Portland at 207-799-5541 for a free no-obligation custom review. We offer a choice of several insurance companies. That means we can help you find the best insurance value.

We’re independent and committed to you.


Solar Panel Insurance for Maine Homes

If you have installed solar panels on your home, you may be wondering how to insure them against damage or theft. Solar panel insurance for Maine homes can help. Solar panels can reduce your electricity bills and your carbon footprint. However, they’re also expensive. And they expose you to risks that may not be covered by a standard home insurance policy.

solar panel insurance for Maine homes protects your investment against damage and loss.

Let’s look at how to insure your home solar panels and what factors to consider when choosing a policy.

What is solar panel insurance?

You’re looking coverage that protects solar panels from hazards like:

  • fire
  • hail
  • wind
  • vandalism
  • theft
  • power surges

Some insurance may also cover the cost to repair or replace solar panels that fail too soon.

How much does solar panel insurance cost?

The cost of solar panel insurance depends on several factors, such as:

  • Value of your solar panels and their installation cost
  • Type and size of your solar system
  • Location of your home and condition of your roof
  • Deductible and limit of your policy
  • Insurer and coverage level you choose

How to choose a solar panel insurance policy

When choosing solar panel insurance, consider the following aspects:

– Coverage: Make sure you understand what’s covered and excluded by your policy. For example, some policies may not cover damage caused by mechanical breakdown. Others might have a no or limited wind coverage.

– Limits: Does the policy have a separate limit for solar panels? Are they included in the total limit of your home insurance policy? Are solar panels subject to a depreciation clause that reduces the value over time?

– Deductible: This is the amount you have to pay out of pocket before your insurance kicks in. A higher deductible can lower your premium, but it also means you will have to pay more in case of a claim. Some policies have separate wind deductibles.

– Insurer: Compare different companies and policies to find the best value for your needs. Is local service most important to you? Lowest price? Experience and financial strength? By the way, an independent agent like Noyes Hall & Allen can compare for you. They offer a choice of several insurance companies.

FAQ about solar panel insurance

Do I need solar panel insurance?

If you own your solar panels, you are responsible for insuring them. If you lease or finance your solar panels, the lender will require insurance. So will a mortgage company.

Does my home insurance cover my solar panels?

Some home insurance policies may cover your solar panels as part of your dwelling or personal property coverage. However, you may need to increase your coverage to fully protect your investment. Check with your home insurer about their coverage for solar panels. They will be able to tell you how your policy applies and what else you may need.

How do I file a claim for my solar panels?

As with any property insurance claim, follow these steps:

  • Contact your insurance provider as soon as possible and report the incident.
  • Document – take photos and videos of the damage.
  • Collect any relevant documents, such as receipts, invoices, warranties, etc.
  • Cooperate with your adjuster and provide them with any information they request.
  • Track your expenses and repairs until your claim is settled.

Need solar panel insurance in Maine?

Solar panels are a great way to save money and energy while helping the environment. However, they also come with risks that demand proper insurance coverage.

Do you live in Greater Portland and need solar panel insurance? Contact a Noyes Hall & Allen Insurance agent in South Portland at 207-799-5541. We offer a choice of several insurance companies. We can help you compare and find the best value. We’re independent and committed to you.

More information about solar initiatives in Maine