THE SHORT ANSWER
FPL says Tier 2 and Tier 3 net-metering applicants must submit approved liability evidence. Its current checklist requires the account customer and service address, the applicable coverage, a current one-year policy period, the insurer’s NAIC number and a representative’s signature. [1]
Match the person and premises
Compare the insured name character for character with the FPL account and application. Then compare the insured location with the solar service address. A policy for the owner’s mailing address or an abbreviated business name can create a correction even when the homeowner believes coverage is active.
Ask the insurer for the right evidence
Send the utility checklist to the insurance agent instead of requesting “proof of insurance” without context. FPL identifies general liability protection for personal and property damage and publishes different minimum amounts for Tier 2 and Tier 3. Let the insurer document the policy; do not edit a certificate yourself.
Check the administrative fields
Confirm the policy dates cover a current one-year period, the NAIC number is present and an authorized representative signed the certificate. These small fields are easy to miss in a solar proposal review because they are not equipment specifications. Keep the complete file rather than a cropped phone screenshot.
Budget from a real quote
The utility requirement does not establish what your insurer will charge or whether an existing policy is suitable. Ask your licensed agent how the solar system and requested liability evidence affect your coverage. Do not accept an installer’s estimated premium as an insurance determination or treat insurance as a one-time application-only task.
Recheck after a design revision
If the array crosses a tier boundary, revisit the certificate before the revised application is submitted. The nameplate schedule and FPL gross-rating method should match the tier shown in the paperwork. Origin can review the project scope, while FPL and the insurer decide acceptance of the submitted evidence.
Before your next conversation
- Match the insured name and service address.
- Verify policy period, NAIC number and signature.
- Ask the insurer about ongoing coverage obligations.
Primary sources
- FPL: Net Metering FAQs
Primary reference checked September 9, 2026. Confirm current requirements with the named utility, manufacturer or authority for your property.
Planning examples and questions are Origin’s editorial guidance, not a property-specific diagnosis, engineering design, tax determination or promise of savings. Manufacturer and utility references do not imply an affiliation with Origin.
Make the decision specific to your home.
Ask Origin Direct to place the insurance requirement beside the final system-size calculation.
Book an Origin Direct review →Scope, pricing and availability are confirmed for your property. A consultation does not establish utility or incentive approval.