Solar Leasing FAQ for Florida - 2026
Solar is changing in Florida. Here is everything you need to know about solar leasing.
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What is solar leasing vs. buying in Florida?
Solar Leasing: You pay a monthly fee to use solar panels owned and maintained by your leasing company. You enjoy Florida’s abundant sunshine benefits without ownership responsibilities.
Solar Buying: You purchase the system outright or finance it through a loan. You own the panels, handle maintenance, and receive all Florida state incentives and federal credits.
Why Florida is Perfect for Leasing:
- 300+ days of sunshine annually
- High electricity rates (among highest in nation)
- Strong solar production year-round
- Hurricane-resistant installations available
- Growing solar incentives
Key Difference: Leasing = lower upfront costs, maintenance-free, perfect for Florida’s weather; Buying = long-term ownership and maximum savings.
How does a solar lease work in Florida?
- We assess your roof and Florida energy needs
- We design a hurricane-resistant solar system for your home
- We handle Florida permitting, inspections, and HOA approvals
- You sign a lease agreement (typically 20-25 years)
- You pay a fixed monthly fee
- We own, monitor, and maintain the system (including hurricane prep)
- You benefit from clean, renewable energy in the Sunshine State
- At lease end, we remove the system or offer renewal options
Florida-Specific Advantage: We handle all hurricane preparation, maintenance, and insurance coordination.
What are typical lease terms in Florida?
Most solar leases in Florida range from 20-25 years. Some companies offer:
- Shorter terms (15-20 years)
- Early buyout options after 7-10 years
- Renewal options at lease end
- Hurricane damage protection clauses
Florida’s consistent sunshine makes longer terms very attractive—your system will produce reliably for decades.
Am I eligible for a solar lease in Florida?
You’re typically eligible if you:
- Own your home in Florida (condos/HOAs require special approval)
- Have a roof in good condition with 15+ years of remaining life
- Live in a Florida county/region we serve
- Have good to excellent credit (requirements vary)
- Don’t have significant roof obstructions (palm trees, etc.)
- Have HOA approval (if applicable—we assist with this)
Florida-Specific Requirements:
- Roof must meet hurricane wind resistance standards
- Must be outside flood zones or have flood-resistant installation options
- Some coastal properties may have additional requirements
Not sure? Schedule a free home assessment—we’ll evaluate your specific Florida situation.
Florida Solar Leasing Cost & Savings FAQs
What are typical monthly lease payments in Florida?
Monthly payments in Florida typically range from $75-$300+ depending on:
- System size
- Your location (Miami, Tampa, Jacksonville, Orlando, etc.)
- Local electricity rates (Florida has high rates—great for savings!)
- Local incentives and financing options
- Lease term length
- Your credit profile
- Hurricane-resistant installation requirements
Florida Advantage: High electricity rates mean bigger savings potential!
How much can I save with solar leasing in Florida?
Average savings in Florida range from $15,000-$40,000+ over the lease term, depending on:
- Your current electricity rates (typically 12-14 cents/kWh in Florida—among highest in US)
- System size and production (Florida gets 4.5-5.5 peak sun hours daily)
- Utility rate increases (historically 2-3% annually in Florida)
- Your energy consumption
- Local utility (FPL, Duke Energy, Tampa Electric, etc.)
Example Savings:
- Average Florida home: $120-150/month electricity bill
- Solar lease payment: $80-120/month
- Net monthly savings: $40-70/month ($480-840/year)
- 20-year savings: $9,600-16,800+
Bonus: Florida’s consistent sunshine means year-round production (unlike northern states with seasonal variation).
We provide detailed savings estimates specific to your utility and location.
Are there upfront costs in Florida?
Typically no upfront costs with solar leasing in Florida. However, some agreements may include:
- Small documentation or processing fees ($0-$500)
- Down payment options (to lower monthly payments)
- HOA approval fees (if applicable—usually $100-300)
We’ll clearly outline any upfront costs before you sign.
What happens to my electricity bill in Florida?
Your electricity bill will decrease significantly. The solar system generates power for your home first, reducing grid electricity purchases from your utility (FPL, Duke Energy, Tampa Electric, etc.).
Florida-Specific Impact:
- Summer (peak season): Highest savings (peak demand, highest rates)
- Winter: Still significant savings (Florida gets excellent winter sun)
- Hurricane season (June-November): System secured; no service interruptions from storms
- On sunny days: Bill may be minimal or zero
- On cloudy days/at night: You draw from the grid
- Net metering (where available): Excess power credits your account
Example:
- Current bill: $140/month
- Solar lease: $95/month
- New bill with solar: $45/month (grid backup only)
- Monthly savings: $95
Your monthly solar lease payment replaces most or all of your previous electricity bill.
How are lease payments adjusted over time in Florida?
Most solar leases in Florida include annual escalation clauses (typically 0-3% per year), which means:
- Your payment increases slightly each year
- This accounts for inflation and system age
- The increase is usually much lower than Florida utility rate hikes (historically 2-3% annually)
- Some leases offer fixed payments with no escalation (premium option)
Example:
- Year 1: $100/month
- Year 2: $102/month (2% increase)
- Year 5: $110/month
- Year 10: $122/month
- Year 20: $149/month
Florida Advantage: Even with escalation, your lease payment grows slower than utility rates, so savings increase over time.
Your lease agreement specifies the exact escalation rate.
Florida Solar Leasing Installation & Maintenance FAQs
How long does installation take in Florida?
Typical timeline in Florida:
- Initial consultation: 1-2 weeks
- Design & Florida permitting: 2-8 weeks (varies by county/city)
- HOA approval (if needed): 2-6 weeks
- Installation day: 1-3 days
- Inspections & activation: 1-2 weeks
Total: 1-4 months from consultation to system activation.
Florida Note: Permitting timelines vary significantly by county:
- Miami-Dade: 4-8 weeks
- Broward: 3-6 weeks
- Hillsborough (Tampa): 2-4 weeks
- Orange County (Orlando): 2-4 weeks
- Duval (Jacksonville): 2-4 weeks
We’re familiar with each county’s requirements and expedite the process.
Who owns and maintains the solar panels in Florida?
Clay Solar owns and maintains the panels. This is especially valuable in Florida:
Maintenance Includes:
- ✓ All equipment (panels, inverters, mounting hardware)
- ✓ Installation and Florida permitting
- ✓ Monitoring and performance optimization
- ✓ Repairs and replacements
- ✓ Hurricane preparation and post-storm inspection
- ✓ System cleaning (salt air, pollen, debris)
- ✓ Insurance and liability coverage
Hurricane Season Protection:
- We inspect and secure your system before hurricane season
- We monitor weather and prepare as needed
- We conduct post-storm inspections at no cost
- We repair any storm damage immediately
- You’re protected by our comprehensive insurance
You simply enjoy the benefits while we handle everything else—including Florida weather challenges.
What's covered under the lease agreement in Florida?
Your lease typically covers:
- ✓ All equipment (panels, inverters, mounting hardware, hurricane-resistant mounts)
- ✓ Installation and Florida permitting
- ✓ Monitoring and performance optimization
- ✓ Repairs and replacements
- ✓ Hurricane preparation and damage repair
- ✓ System removal (at lease end)
- ✓ Insurance and liability
- ✓ Post-hurricane inspections
- ✓ Salt-air corrosion maintenance (coastal areas)
Your only responsibility: Keeping the roof clear of obstructions and allowing us access for maintenance.
What if panels need repairs in Florida?
If panels malfunction or fail:
- Our monitoring system detects the issue automatically
- We contact you to schedule service
- We repair or replace the equipment at no cost to you
- Your system is back online quickly
Hurricane Damage:
- If a hurricane damages your panels
- We inspect and assess damage immediately
- We file insurance claims on your behalf
- Your system is restored quickly
This is all covered under your lease agreement.
Who handles monitoring and performance in Florida?
We do. We continuously monitor your system for:
- Energy production (24/7)
- Equipment performance
- Potential issues or malfunctions
- Weather impacts (hurricanes, heavy rain, salt air)
- Hurricane season readiness
Florida-Specific Monitoring:
- Real-time alerts for severe weather
- Automatic system shutdown during hurricanes (if needed)
- Post-storm damage assessment
- Performance optimization for Florida’s climate
You receive regular performance reports and can view real-time data through our online portal. If issues arise, we notify you immediately and take corrective action.
Additional Solar Leasing FAQs
Will this affect my home's resale value in Florida?
No—solar typically increases Florida home value significantly. Studies show:
- Florida homes with solar sell 4-5% faster (strong demand in FL)
- Solar adds $4-$6 per watt to home value
- Buyers in Florida highly value lower electricity bills
- Coastal buyers especially appreciate energy independence
Florida-Specific Advantage: With Florida’s high electricity rates, solar adds even more value than national average.
However, the lease transfers to the new owner, so they assume the remaining lease payments. This is clearly disclosed during home sales.
Can I take the panels if I move in Florida?
No. The panels remain with the property since we own them. However:
- The lease transfers to the new homeowner
- The new owner benefits from the same low payments and electricity savings
- This makes your home more attractive to Florida buyers
- Florida buyers actively seek properties with solar (saves money!)
If you move before lease end, the new owner assumes the lease.
What if I sell my house in Florida?
When you sell your Florida home:
- The lease transfers to the new owner (with our approval)
- The buyer assumes the remaining lease payments
- The home’s lower electricity costs make it more attractive
- Most Florida buyers welcome the lease (lower bills = higher home value + protection from rising rates)
- We assist with the transfer process
If the buyer won’t assume the lease: You may have options to:
- Buy out the lease
- Transfer it to a family member
- Work with us on alternative solutions
- Payoff is typically reasonable given Florida’s high electricity rates and strong solar production
Florida Advantage: Florida’s high electricity costs make solar leases very attractive to buyers. Most welcome the lease!
We help facilitate smooth transitions during home sales.
Does leasing affect my roof in Florida?
Minimal impact. Our Florida installation process:
- Uses non-invasive, hurricane-resistant mounting systems
- Requires minimal roof penetrations
- Includes marine-grade flashing to prevent leaks and salt-air corrosion
- Doesn’t damage
Other Solar Energy Services We Offer
Contact Us
Clay Solar Installation Partners
Location: Middleburg, Florida
Phone: (904) 736-4446
Email: info@claysolarinstallationpartners.com
Service Areas:
- Clay County
- Duval County
- St Johns County
- Nassau County
- … and the greater Northeast Florida area