When Your Solar Company Closes: Your Complete Survival Guide

Your solar system isn't dead. The company that sold and installed it might be, but the panels on your roof still produce electricity, your utility interconnection is still active, and most of your warranty coverage still applies. What you've lost is one contractor: not your equipment, not your manufacturer protections, not your right to the kWh your system generates. This guide walks through the warranties that survive, the ones that don't, and the steps to take in the next 48 hours. If the company filed for bankruptcy, Chapter 7 vs Chapter 11 explains what each kind of case means for your warranties and your loan.

The two warranties behave completely differently when your installer closes

Solar systems carry two distinct warranties, and only one of them depends on your installer staying in business. The equipment warranty, covering defects in your panels, inverter, and battery, comes from the manufacturer. Panels are typically warrantied 25 years. Inverters run 10 to 25 years. Batteries usually carry a 10-year term. Enphase, SolarEdge, Canadian Solar, Jinko, and the other major brands honor these claims directly, regardless of who installed the gear.

The workmanship warranty is different. Your installer issued it, and it covers the parts of the job they touched: roof penetrations, conduit runs, wiring, and mounting hardware. Most workmanship coverage runs 1 to 10 years, and some installers offer 25. When the installer closes, there is no one left to honor it. That is the real loss, and it matters most for issues that take time to surface: a slow roof leak around panel feet, a wiring fault that shows up a few years in.

Production guarantees sit in between. If your installer wrote the guarantee, it usually evaporates with them. Some systems came with third-party production guarantees from a separate company, and those may survive. Pull your contract and check the issuer name.

The practical effect: if a panel underperforms or an inverter fails, you go straight to the manufacturer. They have a homeowner portal and a claim process, and the installer was never the warranty provider for that hardware. But if you discover a wiring defect or a leak around the mounts, you pay for that repair yourself unless your state has a contractor recovery fund.

Your 48-hour priority list

Some monitoring platforms operated by closed installers go dark with little notice, and manufacturer records are easier to access while the system is still being maintained. Do these three things first.

Register directly with your inverter manufacturer. This is the single highest-value step. Enphase, SolarEdge, SMA, and Fronius each run a homeowner portal where you can claim your system by serial number and create an account that is independent of any installer. Enphase: enlighten.enphaseenergy.com. SolarEdge: monitoring.solaredge.com. SMA: ennexos.sunnyportal.com. Fronius: solarweb.com. Once your account is active, you have permanent monitoring visibility and a direct line for warranty claims.

Register your panels with the panel manufacturer. Find your model and serial numbers on your installation spec sheet, or on the frame of a panel itself. Canadian Solar, Jinko, Trina, Panasonic, and SunPower all run homeowner warranty registration pages. Five minutes per registration locks in your claim path.

Export every document you can still reach. Your installer's customer portal may shut down without warning. Save copies, in a digital folder and a physical binder, of your installation contract, system spec sheet, building permit and final inspection, utility interconnection agreement, financing documents, and as much production history as your monitoring app will export. This is your master reference for the next 25 years of system ownership.

If you have a lease or PPA, keep paying through the transition

A lease or PPA is a legal contract with cash flow attached, and it usually belongs to a third-party owner rather than to the installer. That is why the contract survives the installer. Your obligations continue, and the obligations owed to you continue with whoever holds the servicing rights.

The most important thing during the transition is to keep making your scheduled lease or PPA payments. Stopping payments does not protect you. It puts you in breach of contract, which creates a separate set of problems on top of the original disruption. You will eventually receive written notice, by mail or email, telling you who the new servicer is and where to send payments. That notice may take weeks or months.

A few things to watch for. Confirm any servicer-change notice against a phone number or address you already had before redirecting payments. Scams targeting orphaned system owners follow high-profile installer failures. Your lease or PPA terms cannot be changed without your consent, so document any communication that suggests a rate increase or modified terms. If your contract includes a service component, ask the new servicer in writing how repair calls will be handled going forward.

Recovery funds and incomplete installations

If your installer was properly licensed and their closure reveals workmanship damage, such as a roof leak around panel mounts, a wiring fault, or structural mounting issues, your state may compensate you through a contractor recovery fund, if it runs one. Nevada's Residential Recovery Fund can pay up to $40,000 on a claim, and Arizona runs a Residential Contractors' Recovery Fund. Not every state has one, and the rules differ. Start by verifying the installer's license status on the state board's website, then document the defect with photos and a written estimate from a licensed contractor before you file. These claims take months, but they are a legitimate path to reimbursement.

The most time-sensitive scenario is a system that was never finished. Panels mounted to a roof with no working inverter, a half-wired electrical run, or equipment delivered but not installed can create real safety hazards and need attention right away. Do not energize or use any partially installed equipment. File an immediate complaint with your state contractor licensing board and ask about emergency guidance.

Then call the equipment manufacturers. Several have programs to help homeowners when an installation partner fails mid-job. Call your solar lender or the loan servicer named on your statement. An unfinished project is a problem they want resolved, and they often have remediation paths. Servicers change, so check the current statement: Mosaic loans, for example, have been serviced by Solar Servicing LLC, a Forbright Bank subsidiary, since September 2025. If you paid with a credit card, dispute the charge as incomplete service.