If your insurer refuses coverage due to your solar panels, it's likely they misunderstood the system setup. Most providers will approve coverage if key criteria are met:
You are part of the microFIT program (≤10kW) ✅
Installed by qualified professionals using ULC/CSA-approved equipment ✅
You do not lease your roof or property ✅
Not part of a shared or collective system ✅
Equipment was new and insured to value at install ✅
Roof is in good condition (<20 years) 🔲 (Confirm personally)
Building is structurally sound ✅
Refer to your policy questions and answer based on the above to avoid unnecessary denials.
Important: LH Solar financed your solar system, we are not leasing your property.
Insurance Providers You Can Contact:
Allstate (Jacky So): 647-893-8233 / JSo@allstate.ca
Square One: 1-855-331-6933
Gibb Insurance: 519-736-8228
The Co-operators: 1-844-696-8666
Zenith Insurance: 1-888-440-4876
A: If you're considering removing your solar panels, it's important to understand the process and potential impacts. Below are the key steps and considerations:
1. Ensure the System is Fully Paid Off
If your system is under a 20-year lease or financing agreement, it must be paid in full before removal can be approved. Any outstanding balance on the lease or loan must be cleared prior to scheduling removal.
2. Understand the Impact of Removal
Removing a solar system is a significant decision. Please consider the following:
Your roof will be left with multiple racking screw holes.
Even if sealed with caulking, these holes are not guaranteed to be leak-proof.
To minimize the risk of water damage, we strongly recommend a full roof replacement following system removal.
Disposal of the equipment is not included in the standard removal service. If you want the full system disposed of, an additional disposal fee will apply.
The purpose of the Net Metering program is not to sell the generated electricity to the grid, but to offset the property owner’s energy consumption. Furthermore, Net Metering is not limited by an IESO contract, while microFIT ends at the end of the contract. Net Metering also allows for greater energy savings when hydro electricity rates increase.
A: If you're planning to replace or repair your roof, please notify us immediately so we can coordinate the scheduling with both your roofer and our contractor.
Here's what you need to do:
Choose your own roofer and have their contact information ready before reaching out to us.
Contact us to begin coordinating the project timeline.
Understand that the entire process—solar system removal, roof replacement, and reinstallation—can take 6 to 8 weeks, depending on roofer and contractor availability.
Seasonal Scheduling:
We accept project schedules only between the last week of March and the second week of October. Last call for maintenance service is 3rd week of September.
If your roof work falls outside of this window, it will be treated as an off-season request.
An off-season service fee will apply.
This cost is the responsibility of the homeowner.
To submit your request:
Download and print the required Consent Form (linked below).
Complete the form and email a scanned copy to us.
Then, mail the original signed copy to:
LH Solar Inc. ATTN: Lucia Lacorte 155 Shields Ct.,
Markham, ON L3R 9T5
First, have your roofer inspect the leak to determine its origin. If the leak is not near the area where the solar panels are located, you can proceed with your roof repair as usual.
However, if the leak is near or in the area where the solar panels are, please contact us immediately with your roofer's contact information (name, email address, and phone number) so we can coordinate the necessary steps.
Please note: If the leak is unrelated to the solar panels, the repair costs will be the responsibility of the homeowner.
During winter, it’s common for snow and ice to slide off solar panels as they warm up—especially after a sunny day. While this is normal, it can be a safety concern if the falling snow or ice lands near walkways, driveways, or entrances.
Solution: One-Time Free Snow Guard Installation
LH Solar Inc. offers a one-time free snow guard installation for our clients to help reduce the risk of sliding snow and ice.
Snow guards are designed to break snow and ice into smaller, less dangerous pieces as they slide off, helping minimize the risk of injury or property damage.
To Request Installation:
Indicate which side of the house requires the snow guard along with a video or picture.
Refer to your Warranty Package to check your solar panel layout and provide us with the exact location where the snow guard should be installed.
Submit your request before our maintenance season ends (by the 2nd week of October) to ensure it is installed before winter begins. Last call for maintenance service is 3rd week of September.
How to Submit a Request:
Please email your request to customerservice@lhsolar.ca with:
1. Your name
2. microFIT Project address
3. Specific side(s) or area(s) needing snow guards, based on your solar layout from the system proposal.
The last call for maintenance service is the 3rd week of September.
Requests made after this date may be scheduled for the following season (next year).
In case of an emergency, we may be able to accommodate your request depending on contractor availability and weather conditions — however, this is not guaranteed.
Please note: Off-season maintenance (outside our regular service window - last week of March to second week of October) is subject to a $1,000 + tax fee, due to increased safety risks and the uncertainty of reinstallation timelines caused by unpredictable weather.
A: No, the lease contract does not automatically transfer to the buyer upon the sale of your home. The buyer must first undergo a pre-qualification process, which typically takes 4 to 6 weeks, depending on how promptly the buyer completes the required steps.
This process requires the buyer to dedicate 10–15 business hours during regular business hours, as the leased solar panel system is registered under the Ontario microFIT Program—a government-regulated initiative that allows the property owner to sell electricity back to the grid under a fixed 20-year agreement.
Due to the complexity of the program, the lease transfer is highly detailed and must be approved by multiple regulatory bodies, including:
IESO (Independent Electricity System Operator)
CRA (Canada Revenue Agency)
Local Hydro Company
The buyer must complete a full eligibility review, submit all necessary legal and tax documentation, and coordinate with all involved parties. This process is time-sensitive and cannot be completed on short notice.
✅ Important: All requirements must be fully completed and approved prior to the property sale closing date. The lease transfer will only be approved once the buyer is fully compliant and all regulatory approvals have been obtained.
If the buyer is unable or unwilling to complete the process on time, you, the seller will be required to buy out the solar system in full on the closing date.
A: We work closely with our clients to plan for roof maintenance or replacement. If your roof needs to be replaced, we require at least one month of advance coordination to schedule the safe removal and reinstallation of your solar system. This ensures minimal disruption and proper handling of all components during the process.
A: The year-end cash incentive is typically released between December 15th and 31st each year.
Here’s how it is distributed:
If you’ve set up direct deposit, the funds will be deposited directly into your bank account between December 15th and 31st.
If you have not set up direct deposit, a cheque will be mailed to your address between the last week of December and the second week of January the following year.
Important:
To ensure timely delivery of your year-end cash incentive, please make sure that your mailing address and bank account information are accurate and up to date before the end-of-year release period.
If you wish to switch to direct deposit, please complete the EFT Authorization Form below and email the completed form to:
📧 customerservice@lhsolar.ca
A: Please note that providing copies of these documents is considered an additional service and is not included in your original leasing agreement. The following administrative service fees apply:
Document Request Fees:
Leasing Agreement Copy – $20 + tax (Tip: Check the envelope provided by your lawyer at closing. You should have received a copy of the agreement at that time. Please confirm with your lawyer before requesting one from LH Solar Inc.)
Annual microFIT Generation Statement – $10 + tax per year (Note: You may be able to download this statement directly from your hydro company’s website. Contact your utility provider for assistance.)
Buyout Proposal – $10 + tax (This fee will be deducted from the total amount if you proceed with the full buyout.)
Payment Instructions:
Payments can be made via EFT (Electronic Funds Transfer) to:
📧 accounting@lhsolar.ca
Please include the following in your payment message:
Your full property address
The type of document(s) you are requesting
Once payment is received, your request will be processed accordingly.
Simply follow the instructions provided in the email you received or download the Installation manual below. If you're unable to follow the instructions, please email us your availability from Monday to Friday between 11 AM - 5 PM, and we'll assist you further.
A Closing Engineering Report is often required by your local hydro company following the completion of your solar system installation. If you did not receive or submit this report, it's likely because you opted out of the service at the time it was offered.
What to Do:
No worries, you can still request a copy of the report directly from the engineering firm that handled your microFIT project.
How to Identify Your Engineering Firm:
To find out which engineering firm handled your system:
Please refer to your Warranty Package and check the Roof Framing Plan.
The engineer’s stamp on this document will indicate the firm responsible for your microFIT project.
LH Solar Inc. worked with two authorized engineering firms. You may contact either of the following firms, depending on who was assigned to your installation:
LHW ENGINEERING LTD.
Engineer: Ling Hang Wang
🌐 Website: https://www.lhwengineering.com/
📧 Email: LHW.ENGINEERING@GMAIL.COM
📞 Phone: 416-299-8837 | 647-923-4818
Address:
Unit 405, 2347 Kennedy Road
Scarborough, ON M1T 3T8
JK ENGINEERING INC.
Engineer: Justin T. Mawoko, P.Eng
🌐 Website: https://jkstructuraleng.com/
📧 Email: Justin@JKstructuraleng.com
📞 Phone: 416-291-7474 (Office) | 289-923-1772 (Cell)
Address:
Unit 305, 919 Ellesmere Rd
Toronto, ON M1P 2W7
A Postponement of Notice of Security Interest (NOSI) is a legal document required in certain refinancing, mortgage, or title-related transactions. Please review the process and requirements carefully.
Processing Time
Please allow 2–3 business days for processing. Requests are only reviewed once all required documents are received and the request meets our accepted conditions. For First-Time Requests
Required Documents:
1. Client’s Full Legal Name and Contact Information
2. Purpose of the Postponement Request
3. PIN (Property Identification Number) Page
– This can be obtained through your lawyer or land registry office.
4. Signed MicroFIT HST Authorization Letter (attached or available upon request)
5. Acknowledgement and Direction titled:
“Postponement of Notice of Security Interest for [Insert Property Address]”
– To be prepared and signed by your lawyer.
6. Scanned Copy of Valid Photo ID
– Acceptable ID: Driver’s License or Passport
7. Signed EFT Authorization Form
8. EFT Payment for Any Outstanding Balance
– Refer to attached statement for details.
Postponement Approval Administration Fee
$395.50 CAD ($350.00 + HST)
Please send payment via E-Transfer (EFT) to:
📧 accounting@lhsolar.ca
Message: Postponement Approval Fee for [Insert Property Address]
For 2nd or 3rd Requests
In addition to the above documents, the following Required Legal Statement must be included in the Acknowledgement and Direction:
Required Legal Statement:
Pursuant to Section 16 of the Solar Agreement dated [Insert Date], LH Solar Inc. holds a first-ranking security interest over the property and the solar equipment installed.
LH Solar Inc. consents to this postponement strictly on a conditional and administrative basis, for the purpose of facilitating specific financing or title insurance requirements.
This consent:
• Does not constitute a waiver of LH Solar Inc.’s contractual priority
• Applies only to the specific advance under instrument number [Insert Reg. No.]
• Automatically terminates upon full repayment or discharge of the referenced charge
• Allows LH Solar Inc. to immediately reassert its first-ranking position upon such discharge or written notice
Please contact us immediately and provide the following:
A copy of the Agreement of Purchase and Sale
The closing date
Full lawyer’s contact information for both the seller and the buyer
Your legal file ID (can be obtained from your lawyer)
Important: The buyer is subject to pre-qualification before the closing date. If the buyer is not deemed a viable candidate to take over the microFIT contract, a buyout of the lease will be processed on the closing date.
Please note: Pre-qualification may take 4–6 weeks, so we recommend submitting the required documents as early as possible to avoid delays.
We’re here to help you fully understand the terms of the lease. If after reviewing it, you decide you do not want to assume the lease, you have no legal obligation to do so. Simply provide us with an affidavit stating that you were not fully aware of the 20-year solar lease prior to signing the Agreement of Purchase and Sale, and that you wish to opt out of assuming the lease. We’ll take care of everything from there.
We will be involved in every step of the transition to help ensure a smooth and transparent process.
To support this, we offer the option to schedule an in-person or Zoom meeting with potential buyers before the Agreement of Purchase and Sale is signed. This meeting allows us to answer questions and clearly explain how the solar lease transfer works, including the obligations of both the buyer and the seller.
Key Points:
The buyer must be pre-approved to take over the lease.
The pre-approval process takes approximately 4–6 weeks and must be completed before the property sale closing date.
If the buyer is not approved or unwilling to take over the lease, you, the seller, will be required to buy out the solar system in full on the closing date.
Our involvement ensures both parties fully understand the process, and all requirements are addressed well before closing to avoid last-minute issues.
Your microFIT solar system is classified as commercial use.
Although installed on a residential property, the electricity generated is sold to the local utility, making it a commercial energy-generating activity under the Ontario microFIT Program.
As part of this arrangement:
Taxes (HST) are paid on the monthly generation income received from the utility company.
Importantly, because it is a commercial activity, it does not fall under the Homeowners Act 2024 protections.
📌 Full details about the Ontario microFIT Program can be found at: 🔗 https://www.ieso.ca/en/Get-Involved/microFIT
We offer one-time free removal and reinstallation of your solar system during your 20-year lease contract, but this only applies when the new roof uses the same material as the previous one. If you're switching to a different roof material, additional steps may be required, including obtaining a new building permit, updated architectural drawings, and potential changes to the roof racking. These costs are the responsibility of the homeowner.