Rooftop Solar - Maximizing Sustainability Without Increasing Property Risk

Solar Panel Growth: An Opportunity with New Risk Dynamics

Across the Nordic region, rooftop photovoltaic (PV) installations have surged as organisations pursue energy independence, emissions reduction, and protection against volatile electricity markets. The technology is proven, efficient, and increasingly affordable. But as adoption accelerates, so does the need for a structured, risk-aware approach to installing and managing PV systems on commercial and industrial buildings.

 

Fire incidents involving solar panels remain relatively rare, yet when they occur, they often result in disproportionately large losses. The combination of electrical equipment, combustible roof materials, and limited access for firefighting can turn a localized fault into a major property event. For C-suite leaders balancing sustainability with operational continuity, it is essential to understand these dynamics early in the decision-making process.

 

Why Rooftop Solar Can Increase Property Vulnerability

 

1. Electrical faults and DC arc risks
Solar installations introduce high-voltage DC currents, which behave differently from typical AC power. DC arcs can be persistent and difficult to extinguish, increasing the potential for ignition. Faults often stem from poor connector crimping, cable damage or substandard workmanship, issues that may remain hidden for years.

2. Limited access for firefighting and inspection
Once a PV system covers a roof, routine inspections and maintenance become more challenging. Firefighters may be limited in where they can operate, and PV panels cannot easily be de-energized during daylight, complicating emergency response.

3. Drainage and weather exposure
Panels can unintentionally affect drainage, leading to pooling water, ice formation or accelerated roof membrane wear. In winter conditions, snow loads and sliding ice introduce additional structural and safety risks.

 

A Risk-Smart Approach: How Businesses Can Mitigate Solar Panel Risks

Companies do not need to choose between sustainability and resilience. With the right controls, rooftop solar can be both safe and highly beneficial. Senior leaders can take the following steps to ensure a strong risk posture:

 

1. Prioritize high-quality design and installation
The design phase is the best opportunity to prevent future problems. Independent verification of design specifications, load calculations, cable routing, and inverter placement reduces the risk of hidden faults. Selecting reputable, certified installers with proven track records is critical to long-term resilience.

2. Ensure adequate separation and access zones
Creating fire breaks between panel arrays and ensuring clear roof access allows early intervention and reduces fire spread. Access lanes also support ongoing maintenance and winter snow clearing.

3. Focus on roof integrity and construction type
Before installation, organizations should assess the roof’s combustibility, condition, drainage performance and structural capacity. Reinforcing vulnerable areas, replacing ageing membranes or choosing non-combustible materials can significantly reduce risk.

4. Implement robust monitoring and maintenance
Remote monitoring systems can detect faults early, reducing the likelihood of ignition. A structured maintenance program, including thermal imaging, periodic electrical testing, and post-storm inspections, helps maintain long-term safety and performance.

5. Involve insurers and risk engineers early
Early engagement enables risk engineers to flag potential issues before they become costly design changes. Insurer input can support correct component choices, layout decisions and long-term maintenance planning. This collaborative approach helps organisations protect their investments while optimizing insurance outcomes.

 

A Nordic Perspective: Local Climate, Local Learning

The Nordic region presents unique environmental challenges that influence solar risk profiles. Heavy snowfall can create uneven loads on panels, while freeze–thaw cycles affect mounting systems and roof membranes. Coastal environments increase corrosion risks, and limited winter sunlight heightens the importance of efficient system performance.

 

Local claims experience also shows that small installation or maintenance issues can be amplified by harsh weather conditions. A Nordic-specific approach to design, materials, and maintenance schedules is therefore essential.

 

Sustainability and Resilience Must Go Hand in Hand

Rooftop solar brings clear environmental and economic benefits, but only when implemented with a strong focus on property protection. As organisations invest in renewable energy, taking a proactive and informed approach to risk management ensures long-term operational resilience.

Solar power is an opportunity to advance sustainability without exposing the business to avoidable losses. By integrating risk engineering into every stage, from planning and installation to operation and maintenance, companies can secure reliable energy, protect assets and support a more resilient future.

 

 

For more information on how Zurich Nordic can help your business build resilience, please contact Aleksandar Matevski, Risk Engineer at Zurich Resilience Solutions.