Where can you buy insurance for connecting to the power grid with a wind generator in Texas?
February 14th, 2009
A friend of mine would like to install a wind generator for electricity but the local power company won't let him connect to the power grid unless he can show that he has a million dollar insurance policy. He has called every insurance company he can think of and no one has this insurance policy that he can buy. The reason that he wants to connect directly to the power grid is that he does not want to have to use a battery bank but instead use the power grid to store electricity. Do you know where can get this kind of insurance policy in the state of Texas? Thanks.
Your friend isn't telling you the whole story. All you need to do is to call your local power company and tell them that you want a reverse meter so that they can measure the amount of energy you are feeding back into the power grid in order to assign you proper credit. There is specific wiring that you need to use that must be approved by your county. They require this specific wiring so that your system doesn't electrocute a lineman who is working on a line somewhere down from your solar power generator.
You don't go and buy a million dollar insurance policy either. You get an umbrella policy on your homeowner's insurance. An umbrella policy is property insurance that goes beyond what the homeowner's insurance covers. This is also sometimes called secondary insurance. You can google this to find a company that will sell this to you.
Just keep in mind that there are quality standards you need to follow if you connect to the power grid. You need a reverse power relay and an automatic transfer switch that will disconnect you from the power grid in case of a power outage. You also need to say "in phase" with the power grid. The manufacturer of the wind generator should tell you everything you need to know to do this.
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