Momentum Solar
Your Numbers
kWh per year — CT average ~8,500
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per kWh
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per month — what utility would charge for same kWh
% increase per year
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per kWh
% increase per year
Payment Trend
Year-by-Year Breakdown
YearUtility
Monthly
Solar Monthly
(before EPP)
Solar Monthly
(EPP)
Yearly
Savings
Your 25-Year Summary
💡

If You Do Nothing

$0
Total utility payments over 25 years
📈

Savings (before EPP)

$0
💰

Savings With EPP Pricing

$0
💡 What is Efficient Partner Pricing (EPP)?
Save Even More

Efficient Partner Pricing (EPP) rewards homeowners who help us operate efficiently. It's the same idea insurance companies use with non-smoker discounts — people who cost less to serve get better rates.

Here's how it works for you:

  • You set aside time to go through all the information and upgrade to solar in one visit
  • That saves us from making a second trip to your home
  • Each home we don't have to revisit lets us help one additional homeowner that month
  • We pass those efficiency savings back to you as a lower monthly rate

To lock in your EPP rate today, we just need three things:

  • Sign the agreement — get your solar journey started right now
  • Schedule your Engineering Visit — we send a specialist to finalize your custom system design
  • Set up autopay — enroll in automatic bank draft (ACH) to waive the monthly billing fee and lock in your lowest rate

It's a win-win. You get a better price today, and we get to help more families switch to solar. That's why the EPP rate you see above is lower than our standard pricing.

📄 Your Solar Lease — What You're Signing Up For

1. Who Is This Agreement Between?

This agreement is between you (the homeowner) and IGS Solar, LLC (the company that owns and maintains the solar system).

IGS Solar leases the equipment to you. You pay a monthly amount to use the system and keep the power it generates. IGS handles installation, insurance, repairs, and monitoring for the full 25 years.

All obligations start on the "Transaction Date" listed on your agreement — that's the day you sign.

2. How Long Is This Agreement?

This is a 25-year lease — 300 months total. Think of it like leasing a car, but for solar panels.

The clock starts on the first day of the month right after your system gets turned on and connected to the grid. We call that the "Interconnection Date." Every year after that is a "Contract Year."

What this means for you: You're locking in your solar rate for 25 years. No renegotiating, no surprises. After 25 years, you choose what happens next — renew, buy the system, or let us remove it for free.

3. Your Monthly Payment

You pay one fixed monthly amount for using the solar system. That's it. No equipment costs, no installation fees, no maintenance bills.

When you sign up, you'll set up automatic payment by credit card, debit card, or bank transfer (ACH). If you set up auto-pay through your bank (ACH), we usually waive the small monthly billing fee — so it's basically free to pay.

You'll get an email invoice every month. If a payment bounces, there's a standard returned-check fee (same as any other bill). If you're late, the fee is 1.5% per month on the past-due amount.

Sales tax may apply to your monthly payment, just like it does on your utility bill. That's normal.

Bottom line: Set it and forget it. One predictable payment. No utility bill roller coaster.

4. What Each Side Handles

What IGS handles (so you don't have to):

  • Installation and construction start to finish
  • A revenue-grade meter that tracks every kilowatt-hour your system produces
  • Insurance on the system against damage or loss
  • All repairs if something breaks
  • No lien on your house — your home title stays clean. We may file a simple equipment notice (like a car loan notice) just to show we own the panels, but that's it

What we ask from you:

  • Keep trees and bushes trimmed so they don't shade the panels
  • Don't clean or modify the system yourself — call us if something looks off
  • Tell us ASAP if you see damage or something missing
  • Sign permit and inspection paperwork within 7 days when we send it
  • Keep your internet on — the monitoring system needs a connection to track performance. We can use your WiFi or install a cellular gateway
  • Get HOA approval if your neighborhood requires it
  • Don't use the system to heat a pool or hot tub
  • Share utility bills when we ask — helps us verify your savings

Roof work: If you're getting a new roof or doing construction that affects the panels, give us 30 days' notice. We'll coordinate removal and reinstallation. You keep paying your lease during any brief downtime.

Access: We need to get on your roof occasionally for maintenance or monitoring. We'll always try to give you reasonable notice. Access continues for 90 days after the lease ends, just in case we need to remove the system.

Bottom line: IGS handles the technical stuff. You handle basic homeowner stuff. Fair trade.

5. Before We Install

Before installation day, we do our homework:

  • Engineering site audit to make sure your roof is solid
  • Final system design customized for your home
  • Real estate due diligence
  • All city permits, zoning, and building approvals
  • We claim any available rebates and renewable energy credits

You just need to return any paperwork we send you and get HOA approval if it applies.

If for some reason your roof can't support solar or the city won't approve it, we can cancel the agreement — but that's rare and protects both of us.

6. Changes to This Agreement

The only way this agreement changes is if both of us sign a written amendment. No handshake deals, no verbal promises. We can fix utility paperwork to match the lease terms, but nothing changes your rate or your obligations without your signature.

7. Your Warranties

Your protection comes from two documents:

  • The Limited Warranty (Exhibit 2) — covers defects, workmanship, and materials for 25 years
  • The Production Guarantee (Exhibit 3) — makes sure your system performs

Those two documents cover everything that matters. IGS doesn't make promises beyond what's in those exhibits — but honestly, they cover all the important stuff.

8. Can IGS Sell This Lease to Someone Else?

Your lease may be transferred to a qualified financing partner — just like your mortgage gets sold to another bank. This is standard for solar leases.

Your rate, your terms, your warranty — nothing changes for you. The new company takes over the backend, and the old company is off the hook. Same as when your mortgage gets sold.

9. Who Owns the Equipment?

IGS owns the panels, inverters, and equipment. It's considered personal property — like a leased car, not a built-in appliance. It doesn't become part of your house.

You can't let anyone put a lien on the equipment. If a contractor you hire separately tries to file a lien on the panels, you have 30 days to clear it.

Bottom line: You get all the benefits of solar without the headaches of ownership.

10. Who Owns the Power?

You do. Every kilowatt-hour that hits your roof is yours. That's what you're paying for — the power, not the hardware.

11. Tax Credits & Incentives

Since IGS owns the equipment, we claim the federal tax credits, state rebates, and renewable energy credits (SRECs). That's how we can offer you such a low monthly rate. We take the tax benefits on the front end, you take the savings on the back end. Win-win.

You'll need to sign some utility paperwork so we can process the incentives, but that's standard and takes two minutes.

Bottom line: The tax credits are baked into your low monthly payment. You're already getting the benefit — just in the form of savings instead of a tax form.

12. Can You Buy the System Later? Yes.

Starting at year 5, you can buy the system outright if you want. The price is based on whichever is more fair:

  • Your remaining payments at a discount: All remaining lease payments, discounted at 5% per year. Basically "pay off the lease early at a discount."
  • What the system is actually worth: An independent appraiser figures out the fair market value. IGS pays for the appraisal.

If you buy it, you get any remaining manufacturer warranties and a bill of sale. From that day on, you're responsible for maintenance and repairs — just like you own it.

Bottom line: You have an exit ramp. Most people don't buy because the lease savings are already great, but the option is there if your situation changes.

13. What If You Sell Your House?

You have three easy options. Most buyers love taking over a solar lease because it means lower electric bills from day one.

Option 1: Transfer the lease. Give us 30 days' notice, we run a quick credit check on the buyer. If they qualify, they take over the payments. This is the most common route — buyers see solar as a selling point.

Option 2: Prepay the lease. Pay off the remaining payments in a lump sum. The new owner pays nothing but still gets the solar power. Great for cash buyers.

Option 3: Buy the system (only if you're past year 5) and include it in the home sale. Now the buyer owns the panels free and clear.

Bottom line: Solar doesn't trap you in your house. It's a selling point. And if none of these work, talk to us — we want to help, not punish.

14. What Happens After Year 25?

About 3 months before your lease ends, we mail you renewal forms. You have three choices:

  • Renew — sign the forms and keep going
  • Decline — sign the forms saying you're done, and the lease ends
  • Do nothing — your lease continues year-to-year at the same low rate, and you can stop anytime with 30 days' notice

If you don't renew or buy, we can remove the system for free at a time that works for you. Or we may transfer ownership to you as-is at no charge, and the system becomes yours to keep.

Bottom line: No cliff at year 25. You have options, and if you want out, we clean up after ourselves.

15. System Removal

If you don't renew or buy after 25 years, we can remove the system for free and schedule it at your convenience. We'll take the panels off, seal the roof penetrations, and leave your roof as close to original as possible.

Or we may transfer ownership to you as-is at no charge, and the system becomes yours to keep.

16. Storms, Damage & Insurance

Unless you intentionally damage the panels or are grossly negligent, IGS covers everything — hail, wind, fire, theft, you name it.

Your lease payment stays the same during repairs, but remember — you're still getting power from the grid, so your lights stay on while we fix the system. The repair is on us, not you.

Bottom line: Sleep easy. A tree falls on your roof? Not your wallet. Lightning strikes an inverter? We replace it.

17. Liability Limits

If something goes wrong, IGS is only on the hook for direct damages — not lost profits, emotional distress, or other indirect stuff. Your liability to IGS is capped at what you'd owe under the default section.

Standard lease language. Every contract has it.

18. When Would This Go Bad?

You're in default if:

  • You miss a payment and it's 30+ days late
  • You break a major rule and don't fix it within 14 days of us notifying you
  • You alter the system without permission
  • You give us false info on the application
  • You try to sell or transfer the lease without our okay
  • You go into bankruptcy or foreclosure

Bottom line: Pay your bill, don't mess with the equipment, and be honest. Do that, and you'll never think about this section. 99% of customers don't.

19. What Happens If Things Go South?

This is the worst-case scenario section. If you default, we can try to fix the situation, take the system back, ask for the remaining value, or report it to credit bureaus.

This almost never happens because most people just pay their bill and enjoy the savings. If you're struggling, call us before you miss a payment — we'd rather work with you than against you.

20. Credit Check

We run your credit when you apply. We report your payment history to credit bureaus.

Pay on time, build credit. Miss payments, it can hurt — just like any other bill. Standard stuff.

21. Photos of Your System

We might take pictures of the panels on your roof for our website or marketing materials. Your name, address, and personal details stay private.

Your house might be a solar model home. No big deal.

22. Waivers

If we don't enforce a rule one time, that doesn't mean we can't enforce it later. Standard contract language.

23. Legal Stuff

This agreement follows the laws of your state. If there's a dispute, it gets handled in your local courts. No jury trials, no class actions — just straightforward resolution.

Standard legal boilerplate. Every contract has it.

24. Notices

Important stuff has to be in writing — email, mail, or hand delivery. No "he said, she said."

25. The Whole Deal

This document is the whole deal. No side agreements unless both of us sign them. If a court says one part doesn't work, the rest still stands.

26. Your Right to Cancel — 7-Day Safety Net

You have 7 business days to change your mind. Zero cost. Zero hassle.

Sleep on it. Talk to your spouse. Google us. If you're not 100% in, cancel within a week and it's like it never happened. We'll refund any payments within 10 business days.

To cancel, just send a written notice to:

IGS Solar, LLC
6100 Emerald Parkway
Dublin, Ohio 43016
Email: SolarSupport@igs.com

Before You Sign

By signing, you're saying:

  • "I've read this agreement and I understand it's legally binding"
  • "I know utility rates change over time, so savings can vary month to month — but over 25 years, the math is strongly in my favor"

Don't sign if there are blank spaces. Everything should be filled in before you put pen to paper.

Bottom line: You're making an informed decision. No pressure, no rush. You have 7 days to back out. Let me make sure every blank is filled and every question is answered before you sign.

Your 25-Year Warranty

System Warranty: Professional install, free from defects in workmanship and materials for 25 years under normal use.

Roof Warranty: All roof penetrations are watertight for 5 years. If we put a hole in your roof, we seal it right.

Operation: The system will operate within manufacturer specs. If not, we repair or replace defective parts and restore operation.

Monitoring: Free monitoring for the full 25 years (unless you buy the system). We watch your production remotely. If something's off, we know before you do and we fix it.

Claims: Email SolarSupport@igs.com, call 888.974.0114, or mail overnight to 6100 Emerald Parkway, Dublin, OH 43016 — ATTN: IGS Residential Solar.

What's NOT covered: Damage you cause, unauthorized repairs, new tree growth shading the panels, or failures not caused by a system defect. Acts of God (hurricanes, earthquakes) — but remember, IGS still insures the system against those.

Bottom line: You're covered for 25 years. If the system breaks, underperforms, or leaks — we handle it. That's the whole point of leasing instead of buying.

NJ Solar Weather Guide — Updated 2026

Do Solar Panels Work in New Jersey Weather?

Snow, clouds, humidity, cold winters — NJ homeowners ask these questions before going solar. Here’s the honest, data-backed answer for every season.

⚡ Get My NJ Solar Estimate
Omar Jackson NJ Solar
Omar Jackson — Founder, Solar by Omar | NJ Solar Installer I’ve installed solar on NJ roofs from Atlantic City to Bergen County and monitored their performance through blizzards, heat waves, and everything in between. This is what the data actually shows.

Do solar panels work in New Jersey winters?

Yes — NJ solar panels produce electricity year-round including in winter. Cold temperatures actually improve panel efficiency. Snow typically slides off within 24–48 hours due to the panels’ dark surface and tilt angle. On cloudy days, modern monocrystalline panels still produce 10–30% of peak capacity using diffuse light. New Jersey receives enough annual sun hours — approximately 4.5 peak sun hours per day on average — to make solar financially viable in every season.

The most common reason NJ homeowners hesitate on solar is weather — “will it actually work here in January?” The short answer is yes, and the long answer involves understanding how panels behave in each season. Here’s the full picture.

New Jersey Solar Production by Season

New Jersey averages approximately 4.5 peak sun hours per day annually — compared to Arizona’s 6.5 and Germany’s 2.5. Germany, despite having far less sunlight than NJ, is one of the world’s top solar markets. The Garden State’s solar resource is genuinely strong.

That average masks significant seasonal variation. Here’s how an 8kW NJ system typically performs across the year:

❄️ Winter (Dec–Feb)

55–65%

Of summer peak output. Shorter days and lower sun angle reduce production — but cold temperatures boost efficiency. Snow loss is typically under 2% annually.

🌱 Spring (Mar–May)

80–95%

Of peak output. Long days, mild temps, and clear skies make spring the sweet spot for NJ solar. Systems often overproduce significantly vs consumption.

☀️ Summer (Jun–Aug)

90–100%

Peak production season. Maximum daylight hours. High temps cause minor efficiency loss via temperature coefficient but this is largely offset by sun exposure.

🍂 Fall (Sep–Nov)

70–85%

Of peak output. Excellent production through October. November brings shorter days but still strong output relative to energy use as heating loads drop.

💡 The Annual Math That Matters

A properly sized 8kW NJ system produces approximately 9,000–10,000 kWh per year. The average NJ home uses around 9,500–11,000 kWh annually. Your system is designed to produce enough over 12 months to offset your full annual consumption — not to match every month individually. Summer overproduction banks credits that cover winter shortfalls.

NJ Solar Panels in Winter — Snow & Cold Performance

New Jersey receives an average of 20–40 inches of snow per year depending on your county — more inland and in North Jersey, less at the shore. The question isn’t whether it snows on your panels but how quickly they recover.

How Solar Panels Handle Snow

Solar panels are designed to shed snow naturally. Three factors work together:

  • Dark surface absorbs heat. Even in winter, panels absorb enough solar radiation to warm the glass surface and melt snow from underneath — typically faster than adjacent roof surfaces.
  • Tilt angle assists shedding. Most NJ residential systems are installed at 25–40 degree angles, which allows snow to slide off as it loosens. Flat or nearly flat installations (under 15 degrees) retain snow longer.
  • Smooth glass surface. Unlike asphalt shingles, tempered glass provides minimal friction — once snow begins to melt at the panel surface, it slides off as a sheet rather than sitting.

In practice, most NJ solar panels shed snow within 12–48 hours of a storm, depending on temperature and panel angle. The production loss from snow cover is typically less than 2% of annual output — a negligible impact on your annual savings calculation.

🚫 Don’t clear snow off your panels manually. Climbing onto an icy roof is a serious safety risk that isn’t worth the few dollars in production you might recover. Snow slides off on its own — faster than you’d expect. We never recommend homeowners attempt this.

Cold Temperature Efficiency Boost

Here’s the counterintuitive part: solar panels are actually more efficient in cold weather. Like all electronics, solar cells perform better when they aren’t overheating. The technical measurement is called the Temperature Coefficient — most premium panels lose about 0.3–0.4% of efficiency per degree Celsius above 25°C (77°F).

A New Jersey January day at 35°F is actually a better environment for panel efficiency than a July afternoon at 95°F. The cold partially offsets the shorter daylight hours — which is why NJ winter production, while lower than summer, is often better than homeowners expect.

Solar Panels on Cloudy Days in NJ

New Jersey averages around 200 sunny days per year — but that still leaves roughly 165 days that are partly cloudy or overcast. This is one of the top concerns for NJ homeowners, and it’s worth addressing directly.

How Solar Works When It’s Cloudy

Solar panels do not require direct sunlight — they generate electricity from diffuse light, which is the scattered solar radiation that penetrates cloud cover. Modern high-efficiency monocrystalline panels are optimized to capture diffuse light, not just direct beams.

Weather Condition Typical Output (% of Peak) NJ Frequency Impact on Annual Production
Clear, direct sun 95–100% ~200 days/year Maximum production
Thin/light cloud cover 50–80% ~80 days/year Still strong output
Heavy overcast 10–30% ~70 days/year Reduced but not zero
Rainy day 5–20% ~45 days/year Low but present (+ rain cleans panels)
Snow-covered panels 0% ~15 days/year <2% annual impact — sheds quickly

The cloudy day production is already baked into your installer’s production estimate. When Solar by Omar runs your 12-month energy forecast, we use actual NJ historical weather data for your specific zip code — not national averages. Your annual production estimate accounts for cloudy days, short winter days, and every other weather variable your location actually experiences.

Summer Heat & Humidity — How NJ Heat Affects Solar

NJ summers are hot and humid — Atlantic City averages 86°F in July, North Jersey can push above 95°F during heat waves. While summer brings peak solar production due to long days and strong sun, the heat itself causes a small efficiency penalty.

Temperature Coefficient — What It Means

Solar panels are rated at 25°C (77°F). For every degree Celsius above that, most standard panels lose approximately 0.3–0.45% of their efficiency. On a 95°F (35°C) day — that’s 10°C above the rating temperature — you might see a 3–4.5% efficiency reduction from the panel alone. Panels mounted with adequate airflow beneath them run cooler than those flush-mounted against the roof.

The efficiency loss from heat is real but modest. It doesn’t come close to eliminating summer’s advantage — you’re still getting your longest production days and strongest sun angles of the year. The heat penalty is already factored into production estimates from any reputable installer.

☀️ Summer Is Still Your Best Production Season

Despite the heat penalty, a New Jersey summer day still produces 2–3x more solar energy than a December day. June through August is when your system banks the surplus credits that carry you through winter. The goal is to be net zero over the full year — and most properly sized NJ systems achieve that comfortably.

How Net Metering Turns NJ Weather Into an Advantage

The seasonal variation in NJ solar production is actually one of the most elegant aspects of the system — because New Jersey’s 1:1 retail net metering turns summer surplus into winter credits at full retail value.

Here’s how it works in practice for an NJ homeowner:

  • April through August: Your panels massively overproduce relative to your consumption. Surplus electricity flows back to the PSE&G, ACE, or JCP&L grid and your account is credited at full retail rate — $0.26/kWh for PSE&G customers.
  • September through November: Production tapers, consumption is still moderate. Credits from summer begin offsetting your bills.
  • December through March: Production is at its lowest, but your banked summer credits automatically apply against your utility bill. Most properly sized NJ systems run close to net-zero annually.
  • Annual true-up: At the end of your net metering year, any remaining credit balance is paid out at the wholesale rate. You never lose the value you generated.

This is why the winter production question is somewhat misleading. Your January output matters less than your annual total — and New Jersey’s net metering rules ensure that your spring and summer surplus is preserved at full value to cover whatever winter shortfall you experience.

5 NJ Solar Weather Myths — Debunked

Common NJ Weather & Solar Myths

Myth
“Solar doesn’t work in New Jersey winters.” NJ averages 4.5 peak sun hours daily — far more than Germany, which is one of the world’s largest solar markets. Winter output is reduced but far from zero.
Fact
Cold weather actually improves panel efficiency. Solar cells are electronic components that perform better in cool temperatures. A clear 35°F January day can produce more electricity per panel than a hazy 95°F July afternoon.
Myth
“You need to clear snow off your panels manually.” Don’t. Panels shed snow naturally within 12–48 hours. The safety risk of climbing an icy roof far outweighs the marginal production gain.
Myth
“Cloudy days mean zero solar production.” Modern monocrystalline panels generate 10–30% of peak output on overcast days using diffuse light. NJ’s 165 cloudy days per year don’t eliminate solar viability — they’re already factored into every production estimate.
Myth
“Solar only makes sense in sunny states like Florida or Arizona.” Massachusetts, New Jersey, and Connecticut consistently rank among the top 10 solar states by adoption — all while having less sun than the Sunbelt. High electricity rates and strong state incentive programs like NJ’s SuSI program make the economics work regardless of latitude.

Frequently Asked Questions — NJ Solar & Weather

Yes. NJ solar panels produce electricity year-round including in winter. Winter output is reduced by 35–45% compared to summer peak due to shorter days and lower sun angle — but cold temperatures improve panel efficiency and partially offset this. Snow typically sheds within 12–48 hours. Most NJ systems produce 55–65% of summer peak output in December and January.
On heavily overcast days, modern NJ solar panels produce approximately 10–30% of their peak rated capacity using diffuse light. On lightly cloudy days, output is 50–80% of peak. Rainy days generate 5–20%. These conditions are already factored into your installer’s 12-month production estimate — which uses actual historical weather data for your zip code, not best-case scenarios.
No. The safety risk of climbing onto an icy roof far outweighs the production benefit. Solar panels shed snow naturally within 12–48 hours thanks to their dark surface, tilt angle, and smooth glass. Annual snow loss is typically less than 2% of total production — not worth any risk. If snow is blocking production after several days and you’re concerned, contact your installer rather than attempting it yourself.
Yes. New Jersey averages approximately 4.5 peak sun hours per day — significantly more than Germany, which has one of the world’s highest solar adoption rates. Combined with NJ’s high utility rates (among the top 15 in the US), the NJ SuSI TREC program, and 1:1 retail net metering, the economics are compelling in every county. See our full NJ solar ROI analysis here.
Slightly. Solar panels lose approximately 0.3–0.45% efficiency per degree Celsius above their 25°C rating temperature. On a 95°F NJ summer day, this creates roughly a 3–4.5% efficiency reduction. In practice, summer is still by far the highest-production season because of the long days and direct sun angle. The heat penalty is modest and already built into production estimates.
New Jersey’s 1:1 retail net metering credits your account at full retail rate for every kilowatt-hour your panels send to the grid during high-production months. These credits bank and automatically apply against your winter utility bills when production is lower. A properly sized NJ system typically produces net-zero annually — summer surplus covers winter shortfall at full credit value. Learn more about NJ net metering here.
Yes. Residential solar panels are engineered to withstand wind speeds of 90–130 mph depending on the manufacturer — well above any wind event New Jersey typically experiences outside of a direct hurricane. The mounting system anchors panels to your roof structure and is designed to meet local building code wind load requirements. Panel damage from wind storms is very rare when professionally installed.

See How NJ Weather Affects Your Specific Roof

Omar runs a 12-month weather-adjusted production estimate for your exact address using real NJ historical data — not national averages. Free, no pressure.

⚡ Get My 12-Month NJ Solar Forecast
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