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.

RUBC Credits NJ 2026 | The Rate Hike Trap & Permanent Solution
⚠️ 2027 Rate Trap

RUBC Credits NJ: The Rate Hike Trap & Permanent Fix

What RUBCs really are, why they’re temporary, and how to lock in your energy costs before 2027.

Omar Jackson
Omar Jackson — Energy Policy & Solar Strategy Expert I’ve tracked NJ utility rate mechanics for 8+ years. I know how RUBCs actually work, why the 2027 slingshot is coming, and exactly how to protect yourself with solar.

If you’re a New Jersey utility customer staring down record-high electric bills, you’ve probably noticed something peculiar lately: a credit showing up on your statement called a RUBC (Residential Universal Bill Credit). For the first time in years, some of you are actually seeing your bills go down instead of up.

You’re relieved. The state finally did something. Crisis averted, right?

Wrong. What you’re looking at is a temporary band-aid funded by taxpayers, masking a grid crisis that’s about to explode in 2027. Here’s the truth about RUBCs, why they exist, and the permanent solution that actually protects you.

📊 What Are RUBCs in Plain English?

RUBCs (Residential Universal Bill Credits) are state-funded subsidies applied directly to your monthly utility bill. They temporarily reduce your cost to generate electricity by pulling money from New Jersey’s Clean Energy Program budget. They are not a rate decrease — they are a temporary taxpayer-funded price freeze masking historic grid costs underneath.

Why Did New Jersey Create RUBCs?

Between 2024 and 2026, NJ utility rates exploded. PSE&G rates jumped 17.24%, JCP&L surged 20.2%, and the culprit was one specific line item: PJM capacity charges.

PJM Interconnection manages the power grid for 13 states. When they hold annual capacity auctions, they’re essentially asking utilities: “How much will you pay to guarantee you can supply power during peak demand?” In 2026, that price hit the regulatory cap of $329.17 per megawatt-day — the highest level allowed by law. Utilities pass this cost 100% to customers.

The problem? 143 gigawatts worth of new power projects are stuck in PJM’s interconnection queue. Data centers, EV chargers, and electrification have created a supply crisis. New generation can’t come online fast enough. Capacity prices skyrocketed. Customers got shocked by the bills. Politicians demanded action.

Solution: RUBCs. The state redirected Clean Energy Program funds to subsidize bills temporarily while the grid situation stabilizes. It’s not a permanent fix — it’s a pause button.

How Much Are RUBCs Actually Worth?

Utility RUBC Credit (2026) Base Bill Increase Net Impact
PSE&G ~$12–$18/month +$27/month (rate hike) -$9–$15 savings (feels like relief)
JCP&L ~$10–$15/month +$23/month (rate hike) -$8–$13 savings (feels like relief)
Atlantic City Electric ~$11–$16/month +$24/month (rate hike) -$8–$13 savings (feels like relief)

Notice the pattern? The underlying rates INCREASED. The RUBCs are just subsidizing that increase so you feel like you’re getting a break. You’re not — you’re delaying the pain.

⚠️ The 2027 Slingshot: What Happens When RUBCs Expire

RUBCs are not permanent. The state budget can only sustain these subsidies for a limited time. Energy analysts are warning that once the emergency RUBC program expires in late 2026 or early 2027, all of those deferred, hyper-expensive grid costs will hit your bill at once. Expect a slingshot rate increase of 15–25% overnight across all NJ utilities. You’ll lose the RUBC credit AND see the underlying rates — which were always high — finally exposed on your statement.

RUBCs vs. The Permanent Solution

❌ RUBCs: Temporary Band-Aid

  • State-funded subsidies (limited budget)
  • Expiring in 2026–2027
  • Masking underlying rate increases
  • 2027 slingshot hike inevitable (15–25%)
  • Dependent on political will
  • You remain grid-dependent
  • Does nothing for climate impact

✓ Solar: Permanent Rate Lock

  • Your own power generation
  • Fixed 25+ year cost
  • Immune to grid price swings
  • Pays for itself in 6–8 years
  • Generates income (SuSI incentives)
  • Energy independence
  • Reduces carbon footprint 100%

Why Solar Wins Against the 2027 Rate Hike

Here’s the math: If you install solar today with a 25-year warranty, your monthly payment stays exactly the same for 25 years. The underlying contract locks in your cost per kilowatt-hour.

When the RUBC expires and rates jump 15–25%, solar homeowners feel nothing. Grid-dependent homeowners watch their PSE&G bill explode.

  • Rate-Proof Energy Independence No matter what PJM charges the utility, you’re not paying it. Your rooftop generates power at a fixed cost locked in 2026.
  • Massive Federal + State Incentives (2026) 30% federal tax credit. NJ’s SuSI program pays $85.90/MWh for 15 years. Combined, these can reduce your system cost by 50%+.
  • 1:1 Net Metering Works in Your Favor Your daytime overproduction banks credits at full retail rate (~$0.24/kWh). When rates spike in 2027, those credits become worth even more to you.
  • Home Value Increase (4.1% Average) Solar increases home value by $20,500+ on a $500K home. That’s free money if you ever sell.

The Real Cost of Waiting

Some homeowners think they’ll wait for the 2027 rate hike, then install solar. Bad idea. Here’s why:

  • Incentive expiration risk: Federal 30% tax credit is scheduled to step down to 22% in 2033 and 0% in 2035. Lock it in now while it’s 30%.
  • Panel cost unpredictability: Solar costs have dropped 60% in 10 years, but supply chain disruptions can reverse that anytime.
  • Installation queue: When rates spike in 2027, every NJ homeowner will want solar installed. Lead times will stretch to 6+ months. Lock in your install date now.
  • Time value of money: Every year you wait is a year you’re NOT offsetting utility bills. Solar pays for itself faster if you start sooner.

How to Get Started (Before 2027)

The window between now and the RUBC expiration is your sweet spot. You get:

  • Maximum federal tax credit (30%)
  • Full NJ SuSI incentives ($85.90/MWh guaranteed through 2026)
  • No installation queue (installers still have capacity)
  • Time to recoup your investment before the 2027 grid crisis hits

Frequently Asked Questions

No. RUBCs are temporary monthly bill credits funded by the state to mask underlying rate increases. Solar rebates (federal tax credit, NJ SuSI incentives) are one-time incentives that reduce your system cost. RUBCs help your current bill; solar rebates help you install a permanent solution.
Unlikely. RUBCs are emergency measures funded from the Clean Energy Program budget. Once exhausted, the state would need to appropriate additional funding — which is politically difficult during a rate crisis. Energy monitors don’t expect RUBCs to return. This makes permanent solutions like solar essential.
Yes. RUBCs are applied to your utility bill, and solar system incentives are separate. If you install solar while RUBCs are active, you benefit from the credit on your remaining grid consumption, then benefit from solar production after the RUBC expires. This is optimal timing.
Energy analysts and grid operators predict this range based on PJM’s capacity auction dynamics and deferred cost recovery. The 15–25% figure is conservative — some forecasts suggest higher. The exact number depends on how quickly new generation comes online and how aggressively utilities recover deferred costs. Conservative estimates assume 15–20%.
NJ law (Solar Rights Act P.L. 2007, c.153) prohibits HOAs from banning solar or imposing restrictions that reduce efficiency by more than 10%. If your HOA objects, state law is on your side. We handle all HOA appeals and have never lost a legal dispute in NJ.
For a typical 8–10 panel system, expect $20,000–$28,000 installed. After 30% federal tax credit ($6K–$8.4K) and NJ SuSI incentives (~$1.5K–$2K over 15 years), your effective cost drops to $12,000–$18,000. Payback period: 6–8 years. After that, 17+ years of free electricity.

Lock In Your Energy Cost Before the 2027 Slingshot

Don’t wait for rates to jump 15–25% and then scramble for solar. Get ahead of the curve now. We’ll calculate your exact savings, show you the full rebate stack, and design a system sized for your home’s specific energy needs.

🚀 Get Your Solar + Savings Plan

Takes 2 minutes. Shows full 25-year cost comparison. No commitment.

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