Momentum Solar
Your Numbers
kWh per year — CT average ~8,500
$
per kWh
$
per month — what utility would charge for same kWh
% increase per year
$
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.

Why is My NJ Electric Bill So High? (2026 Honest Breakdown)
🚨 2026 Rate Hike Update

Why is My NJ Electric Bill So High? (2026)

JCP&L +20.2%, PSE&G +17.24%. Here’s exactly why — and what homeowners are doing to stop paying forever.

Omar Jackson
Omar Jackson — NJ Solar Industry Veteran Former Sunrun sales rep. 300+ solar installations across NJ. I’ve watched utility rate hikes push homeowners to solar faster than any marketing campaign. This article breaks down what’s actually happening on your bill.

If you opened your electric bill this month and felt your stomach drop, you’re not alone. New Jersey utility rates increased 17–20% starting June 2025 — the result of the state’s annual BGS electricity auction, rising PJM capacity costs, and a grid that simply can’t keep up with demand. I’ve watched this pattern repeat for years: rate hikes spike every summer, homeowners get shocked, and most of them have no idea why it’s happening.

This guide breaks down exactly what’s on your bill, which utility territory you’re in, and what your real options are. No jargon. No sugarcoating. Just the numbers.

20.2% JCP&L Rate Increase (June 2025)
17.24% PSE&G Rate Increase (June 2025)
21¢/kWh NJ Average Rate (April 2026)

What the NJBPU Actually Confirmed

🚨 These Aren’t Estimates — They’re Locked In

On February 12, 2026, the NJ Board of Public Utilities certified rate changes affecting all four investor-owned utilities in New Jersey. The average PSE&G customer using 650 kWh/month now pays $183/month, up from roughly $156. JCP&L customers saw the steepest jump of any major NJ utility. These increases are not temporary. They are the new baseline.

Your Specific Utility: Here’s What Changed

New Jersey is split across utility territories. Here’s the honest breakdown for each:

JCP&L (Central/Northwest NJ)

↑ 20.2% increase

JCP&L customers got hit hardest among NJ’s major utilities. The 20.2% rate hike translates to over $2.23 added to baseline monthly bills — before you factor in summer air conditioning. JCP&L serves Ocean County, Morris County, and parts of Monmouth. On top of supply costs, JCP&L is passing through millions in grid modernization fees directly to consumers.

PSE&G (North/Central NJ)

↑ 17.24% increase

If you’re in North or Central Jersey on PSE&G, supply costs dropped slightly. But delivery charges — the cost of transporting power to your home — went up significantly. The average 650 kWh household now pays $183/month, about $27 more than before. Add summer AC and real bills hit $250–$400+.

Atlantic City Electric (South Jersey)

↑ Similar to JCP&L

South Jersey faces a compounded problem. ACE bills are surging because the local grid is near maximum capacity. ACE is rolling out smart meters and substation upgrades — and those infrastructure costs are passed directly to you on monthly statements. The South Jersey grid relies heavily on energy imports through PJM, which means the capacity price spike hits ACE customers just as hard.

The 2026 BGS Auction Results

For transparency, here are the confirmed baseline changes from the NJBPU’s February 12, 2026 Board Order. Keep in mind: most NJ suburban homes use double this consumption during summer months.

Utility Rate Change Avg. Monthly Bill (650 kWh) Service Territory
JCP&L ↑ +20.2% ~$137–$145 Central/Northwest NJ, Ocean County
PSE&G ↑ +17.24% ~$183 (+$27) North/Central NJ, Newark, Bergen
Atlantic City Electric ↑ Similar increase ~$195–$205 South Jersey, Cape May, Atlantic County

The PJM Capacity Crisis: The Hidden Tax

Even if you understand your supply rate, there’s a second cost buried in your bill: the PJM capacity charge. PJM Interconnection manages the power grid for 13 states including New Jersey. To ensure power plants stay running during peak demand, PJM runs annual capacity auctions. For 2026/2027, that price hit the cap at $329.17 per megawatt-day — essentially a grid “readiness tax” that every NJ utility passes directly to you.

Why Did PJM Prices Spike?

The core problem is supply. As of early 2026, 143 gigawatts worth of new energy projects — including 79 projects in New Jersey alone — are stuck waiting in PJM’s interconnection approval queue. New generation can’t come online fast enough to meet surging demand from data centers, EV charging, and electrification. That imbalance drives capacity prices up, and you pay for it every month whether you use more electricity or not.

The Governor Sherrill $100 Bill Credit

Under Executive Order #1, Governor Sherrill directed the NJBPU to issue Residential Universal Bill Credits (RUBCs) — roughly $100 per household — applied in installments starting July 1, 2026. If you’re a PSE&G, JCP&L, or ACE residential customer, you should see these credits appear automatically on your bill.

⚠️ Important: This Credit Does Not Fix Your Rate

The RUBC is a one-time, state-funded band-aid. It does not lower your kilowatt-hour rate. It does not protect you from next year’s BGS auction results. Once the $100 credit is exhausted, your bill goes right back to the elevated rate — and NJ electricity costs have risen approximately 30% over the past decade with no structural reason to stop.

The Permanent Fix: Locking In Your Energy Cost

State credits are temporary. Generating your own power is permanent. Under New Jersey’s 1:1 Net Metering law, your solar system earns full retail credit for every excess kilowatt-hour it sends to the grid — effectively using JCP&L or PSE&G as a free battery to bank summer surplus against winter bills.

Here’s what that looks like for a homeowner paying $200/month to their utility:

Scenario Monthly Cost 25-Year Total
Stay on utility grid $200+ and rising ~$86,000+ (with rate hikes)
$0-down solar lease Fixed monthly payment Savings from day one

✓ NJ Incentives That Offset Your Costs

NJ’s SuSI program pays $85.90/MWh for 15 years. The NJ sales tax exemption saves 6.625% on equipment. And NJ law prevents any solar-related increase to your property taxes — even though solar adds 4.1% to home value. We handle every incentive application.

Frequently Asked Questions

The NJBPU baseline for a 650 kWh/month account is approximately $150–$183 depending on your utility. However, homeowners actually shopping for solar in NJ average $261/month — which better reflects real suburban household usage with AC, electric appliances, and larger homes. NJ’s average electricity rate is approximately 21¢/kWh as of April 2026, higher than the national average.
Almost certainly. NJ electricity rates have risen approximately 30% over the past decade. The structural drivers — PJM capacity constraints, data center demand growth, grid modernization costs — are not resolved. The 2026/2027 auction already cleared at the $329.17/MW-day cap, signaling continued pressure into 2027.
Delivery charges, capacity charges, and infrastructure fees make up a large portion of your NJ bill regardless of usage. These fixed-cost components don’t drop when you use less electricity. NJ’s aging infrastructure means upgrade costs are passed directly to ratepayers year-round.
Under Executive Order #1, Governor Sherrill directed the NJBPU to issue Residential Universal Bill Credits (RUBCs) of roughly $100 per household, applied in installments starting July 1, 2026. It’s funded by the Clean Energy Program and applied automatically. It does not lower your underlying rate and does not recur after exhaustion.
For homeowners paying over $150/month, the math typically works strongly in favor of solar. The higher your utility bill, the faster a solar system pays for itself. With NJ’s SuSI incentive, 1:1 net metering, property tax exemption, and $0-down lease options, most NJ homeowners who qualify see savings from month one. If your bill is under $100/month, solar probably doesn’t work. Over $150, it almost always does.

See What Your Bill Could Be With Solar

I’ll analyze your actual usage and show you an honest 25-year projection — including what happens when rates keep climbing. No pressure, no pitch. Just the numbers.

⚡ Calculate My 2026 Savings

Takes 30 seconds. No credit pull. No commitment.

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