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.

Can My HOA Stop Solar Panels in NJ? 2026 Legal Guide
⚖️ HOA Legal Guide

Can My HOA Stop Solar Panels in NJ? (2026 Legal Guide)

The NJ Solar Rights Act protects your right to go solar. Here’s exactly how the 10% rule works and how to get HOA approval fast.

Omar Jackson
Omar Jackson — NJ Solar Installer & HOA Specialist I’ve closed 300+ solar projects in NJ townhomes and HOA communities. I know exactly how to navigate board meetings, design HOA-compliant systems, and cite the law to get approvals fast. Many of our best projects are in restricted communities.

If you live in an HOA community or townhome, you know the routine: you need approval for everything from paint colors to mailboxes. So when you decide to go solar and see that massive PSEG or JCP&L bill, your first thought is probably: “My HOA will never approve this.”

But here’s the truth that most HOA boards don’t want you to know: Your HOA cannot legally ban you from installing solar. New Jersey state law protects your right to go solar, even if your board says no.

⚖️ The NJ Solar Rights Act (P.L. 2007, c.153)

No, your HOA cannot prohibit solar. Under New Jersey law, homeowner associations cannot pass bylaws or rules that outright ban the installation of solar panels on a roof you own or are responsible for maintaining.

However, the law does allow HOAs to request “reasonable aesthetic modifications.” The key word is “reasonable” — and that’s where the 10% rule comes in.

The “10% Rule”: Your Legal Shield Against HOA Overreach

Your HOA board can ask you to move panels from the front of your roof to the back, or use black frames instead of silver. These are “aesthetic” requests and are generally legal. But New Jersey protects you with a hard limit: if the board’s aesthetic request fails either of these tests, their request is legally invalid.

Test 1: Cost Threshold

If the HOA’s aesthetic request increases your installation or maintenance costs by more than 10%, you can reject it. For example, if your original bid is $24,000 and moving panels to a different roof section would cost an additional $3,000+ (more than 10% of $24,000), the HOA cannot legally force this change.

Test 2: Efficiency Threshold

If relocating the panels drops your system’s annual energy production by more than 10%, you can reject the aesthetic request. Moving south-facing panels to a north-facing, shaded roof could reduce output significantly. In these cases, the law is on your side.

🚨 2026 Legislative Pressure on HOAs

New Jersey continues to tighten rules on HOA solar restrictions. Associations that fail to adopt a written, state-compliant solar policy by 2026 risk losing their ability to enforce historical aesthetic restrictions entirely. Many boards are now being proactive and formalizing their solar rules to maintain some control. This actually helps you — a written policy is clearer than a board member’s opinion.

Can You Install Solar on a Townhouse Roof?

Townhouse solar is trickier than single-family homes because you share walls and sometimes roof structures. The answer depends entirely on your CC&Rs (Covenants, Conditions, and Restrictions) — your governing documents.

Scenario A: You Own Your Roof Section

If your documents say you are responsible for the repair and maintenance of the roof above your unit, the NJ Solar Rights Act fully protects you. You can install panels, and the equity boost adds tremendous value when you eventually sell. Check your documents — look for language like “Owner is responsible for roof maintenance of Unit X.”

Scenario B: The HOA Owns the Roof

If the HOA is responsible for roof replacement (it’s a “Common Element”), you cannot install private rooftop solar. But don’t panic. You have two alternatives: (1) Lobby the HOA to install a community solar array that benefits multiple units, or (2) Subscribe to a neighboring community solar project at zero upfront cost with the same bill savings.

How to Get HOA Approval in 4 Steps

The fastest way to get your project approved is to submit a professional, ironclad “Architectural Review” packet. Here’s the exact checklist we use:

  • Submit Engineering-Grade CAD Designs Never submit hand-drawn sketches or smartphone photos. Provide professional roof layouts showing exact panel placement, racking details, and how low-profile black frames will blend with the roof. This removes the “ugly solar” fear.
  • Include a Copy of the NJ Solar Rights Act Politely include P.L. 2007, c.153 in your application packet. This reminds the board of your legal rights without being confrontational. Most boards will approve quickly rather than risk a legal fight.
  • Show Hardware Specs and Aesthetics Provide spec sheets proving your system uses all-black frames, hidden conduit wiring, and low-profile racking. Include photos of similar installations in nearby neighborhoods. Visual proof matters.

Common HOA Questions We Answer for Our Clients

No. As long as your panels stay strictly on your roof section and do not cross the property line (the demising wall between units), you need no neighbor signature. Your installer must ensure the racking system doesn’t damage shared flashing, but that’s a technical installation detail, not a legal requirement for approval.
Any fines levied after you’ve submitted your architectural review and the board has denied it based purely on aesthetics (or ignored the 10% rule) are likely legally unenforceable. A certified letter from a real estate attorney reminding the board of the NJ Solar Rights Act is usually enough to make fines disappear. We’ve seen this resolve in weeks.
This is the trickiest part. If your HOA documents state they pay for roof replacement, but they grant you a variance to install solar, you will be responsible for the Removal and Reinstall (R&R) cost when they replace the roof — typically $1,500–$3,000. Factor this future cost into your long-term ROI calculations before you decide to proceed.
No. While an HOA can require that your installer be fully licensed, insured, and NJ-certified, they cannot run a monopoly and force you to use a specific contractor. You have the right to shop around, compare pricing, and choose the company that offers the best rate, warranty, and customer service.
NJ state law supersedes HOA documents. Even if your CC&Rs say “no external modifications,” the Solar Rights Act overrides this restriction. However, the HOA can still request aesthetic modifications (the 10% rule applies). If the board refuses to budge, a letter from a NJ real estate attorney citing case law usually resolves the issue within 2–4 weeks.
Yes, HOAs can charge reasonable architectural review fees (typically $100–$500). This is legal and standard practice. However, they cannot charge an “anti-solar” premium or excessive fees designed to discourage renewable energy installations. If the fee seems unusually high, ask for justification.

Let Us Handle Your HOA Approval

We specialize in townhome and HOA installations across NJ. We’ll design an aesthetically beautiful system, compile your complete approval packet, cite the law to the board, and handle negotiations. You’ll get your solar panels approved — and save thousands on your electric bill.

⚡ Get My HOA-Compliant Quote
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