Florida
Subscription solar in Florida
By Jake Breaux, solar industry expert · Updated · Leer en español
The short version
Florida homeowners can subscribe to solar power with $0 down and no lien: the provider owns, insures, and maintains the panels, which matters in hurricane country, and your real commitment is 36 months inside a 10-year agreement. Typical savings run around 40% of the bill; your exact number depends on your roof and utility.
Why does the subscription structure fit Florida?
Florida bills run high for a simple reason: air conditioning most of the year. A big bill is the raw material solar savings are made from, and the state's sun does the rest. The subscription version adds something ownership doesn't: the provider owns the equipment, so the provider carries the risk that matters most here.
Who insures the panels when a hurricane comes?
With owned or financed panels, storm damage is a conversation between you, your insurer, and your deductible. With a subscription, the provider owns and insures the system: damage, theft, and malfunction are the provider's problem to fix, and downtime that isn't your fault isn't billed to you. For a state that plans around hurricane season, that reassignment of risk is the honest headline benefit. Verify it against the agreement in front of you, like everything else.
Wind ratings, roof damage and why panels go dark in an outage are covered inwhat happens to solar panels in a hurricane.
What does a Florida quote look like?
- $0 down. Billing starts when the system turns on.
- A lower provider bill replaces most of your utility bill. Typical savings run around 40% of the current bill. That is an estimate, not a promise.
- A small utility charge stays. Florida utilities keep a monthly minimum or grid-connection charge. Ask for the exact figure for your own utility on your quote, whether that is FPL, Duke, TECO, or a municipal.
- The term, stated the long way: a 36-month commitment inside a 10-year agreement, cancelable after month 36 with no fee, with a fixed 1.9% annual increase.
- No lien on your home, which is why selling a house with a subscription is the clean case.
Who shouldn't do this in Florida?
The same honest list as everywhere: owners confident they're staying 20+ years who want to own the asset outright, roofs that need replacing first, heavy shade, anyone strained by a new monthly obligation, renters, and condos. If that's you, we'll say so.
Is there a lien-search guide for your county?
For these counties, yes: the office, the online search, which fields to use and what the county's own site says about it, checked against that site.
Get your number
Run your bill through the estimator. It takes about a minute, and a real person follows up with exact figures for your roof. Or readhow the whole model works first.
Sources
We sell subscription solar, so don't take our word for the contract mechanics. These are the primary sources: check them.
- Florida Public Service Commission, State of Florida
Florida's utility regulator, and the authority on net metering, interconnection, and the minimum monthly charge that stays on your bill after solar.
- Fla. Stat. § 679.5011, Filing office, Florida Legislature
Florida's version of the rule: a fixture filing goes to the office of the clerk of the circuit court for the county where the property sits.
- Florida Secured Transaction Registry, State of Florida
Florida's central UCC registry. Ordinary financing statements are searchable here, but a fixture filing against your home is recorded with the county clerk instead, so check both.
- Electric Power Monthly, Table 5.6.A: average price of electricity by state, U.S. Energy Information Administration
The federal government's own figures for what residential electricity actually costs in your state. Check any savings claim, including ours, against this.
Want the numbers for your actual roof?
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