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Florida Solar Contract Cancellation
If the savings pitch does not match your electric bill, the salesperson relied on a tax-credit assumption that no longer fits the installation date, financing is creating payment pressure, the required solar disclosures were unclear, a PACE-style assessment is affecting the property, the installer stopped responding, or solar is complicating a home sale, Solar Exit Florida can help you review the contract, utility records, financing, disclosures, and sales representations together.
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Solar Exit Florida will guide you through the process from the moment you become a client, coordinating with the legal professionals supporting your case as appropriate. We know solar contract disputes can be confusing, especially when financing, credit, installers, and utility issues overlap. You will have a team helping you understand what comes next and working toward the best available resolution for your situation.
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Find the Help You Need
Florida solar disputes often turn on contract disclosures, cancellation timing, financing structure, utility billing, PACE-style property assessments, contractor licensing, and whether the sales pitch matched the signed paperwork. Use the shortcuts below to jump directly to the issue you need to review.
Common Florida Solar Problems
Solar problems do not always begin and end with the installer. The salesperson, dealer, lender, loan servicer, electric utility, equipment manufacturer, and installation contractor may all play different roles.
Florida has a solar-specific disclosure law for covered distributed-energy agreements. Among other requirements, covered agreements must notify the buyer or lessee of a right to rescind for at least three business days after signing. The law also has exemptions, so the agreement and transaction type must be checked before assuming the rule applies.
For covered agreements, Florida requires a separate written disclosure that addresses costs, financing, savings assumptions, system design, warranties, roof and insurance issues, liens or UCC filings, transfer restrictions, and utility compensation for excess generation. A mismatch between that disclosure and the sales pitch is worth documenting.
Florida Rule 25-6.065 establishes interconnection and net-metering requirements for investor-owned utilities, but the account still needs to be reviewed against the serving utility, actual system production, household usage, and current bill treatment. Municipal utilities and cooperatives may use different programs.
Florida has a separate statutory framework for qualifying-improvement financing tied to property assessments. Current law requires detailed financing disclosures and a three-business-day cancellation period, and the resulting non-ad valorem assessment can affect the property differently from an ordinary unsecured solar loan.
A financed or third-party-owned system can create payoff, transfer, assumption, UCC, title, or lender questions. PACE-style financing can add a non-ad valorem assessment tied to the property. The actual filing and contract should be reviewed instead of assuming every solar financing arrangement works the same way.
How It Works
You do not need to know the correct legal, financial, or utility terminology. Tell us what happened and provide the documents you have.
Start with the problem in plain language. You do not need to know whether it is mainly a Florida disclosure, cancellation, utility-billing, PACE, financing, contractor, or home-sale issue.
We compare the sales proposal, signed solar agreement, separate disclosures, utility records, financing, PACE documents if any, contractor information, payments, production, and project timeline.
The next step may involve the solar company, lender, utility, DBPR, Attorney General, PSC, program administrator, title company, tax professional, attorney, or another qualified professional depending on the facts.
Why Florida Solar Problems Are Different
Florida solar disputes can involve several different documents that should not be blended together: the solar sales or lease agreement, the separate state disclosure, the financing agreement, the utility interconnection record, and any property-assessment financing paperwork.
For covered residential distributed-energy agreements, Chapter 520 requires unusually detailed disclosures about the economics and mechanics of the deal. That includes financing, estimated savings, system production, warranties, roof and insurance issues, liens or UCC filings, transfer restrictions, and utility compensation for exported energy.
Florida also has a separate statutory framework for qualifying-improvement financing attached through a non-ad valorem assessment. That means two homeowners who both say they have a "solar loan" may actually have very different legal and property consequences.
Start With the Electric Utility
Florida has a state net-metering and interconnection rule for investor-owned utilities, but account-level implementation still depends on the serving utility. Municipal utilities and electric cooperatives can have their own customer-facing programs and should be checked directly.
Florida Rule 25-6.065 requires investor-owned utilities to offer standard interconnection procedures and net metering for qualifying customer-owned renewable generation. A review should match the interconnection agreement, meter records, exported-energy treatment, and actual bills to the sales proposal.
JEA, OUC, and other municipal utilities are not automatically governed in every detail by the same investor-owned utility tariff. The homeowner should use the local program and account records rather than assuming an FPL or Duke rule applies.
Florida electric cooperatives can also have utility-specific interconnection and compensation terms. The sales proposal should be checked against the cooperative that actually serves the property.
Florida Solar Disclosure Rules
Florida Statute 520.23 requires a separate written disclosure for covered sales or leases of distributed-energy generation systems. The disclosure is designed to put many of the issues that drive solar disputes in one place before the homeowner relies on the sales pitch.
The disclosure addresses total cost and payment information and tells buyers to read separate lender materials when the system is financed. The solar disclosure does not replace the financing agreement.
The disclosure framework addresses projected savings, system design assumptions, estimated energy production, and the status of utility compensation for excess generation at the time of signing. Those assumptions should be compared with the actual utility account.
Florida requires covered disclosures to address practical issues that often surface later, including roof work, insurance, liens or UCC filings, and conditions affecting transfer of the system or agreement.
Chapter 520 does not apply to every transaction. Florida Statute 520.26 lists exemptions, including certain real-property transactions, third-party financing entities, nonresidential systems, some fully paid transactions, and installation-only parties. The transaction must be classified before relying on a specific protection.
PACE and Property Assessments
Florida allows qualifying improvements to residential property to be financed through programs that are repaid through a non-ad valorem assessment. Current law requires underwriting and detailed disclosures about the amount financed, annual assessment, term, interest, costs, and payment timing.
The financing disclosure must state that the agreement may be canceled within three business days after signing without a financial penalty. Florida law also provides circumstances in which a recorded financing agreement may be unenforceable or removed, including a timely cancellation within that period.
Because the assessment is connected to the property-tax collection process, it can surface during a sale, refinance, escrow review, or affordability problem in a way that an ordinary unsecured loan may not.
Net Metering and Utility Credits
Florida Rule 25-6.065 provides a framework for interconnection and net metering of customer-owned renewable generation for investor-owned utilities. The purpose is to allow customer generation to offset consumption and establish treatment of excess generation.
A homeowner can still receive an electric bill because household consumption, fixed charges, periods of low production, utility rates, system size, equipment performance, and the timing of exported energy all affect the account. A salesperson saying "your electric bill will be gone" should be compared with the actual proposal and utility tariff.
For municipal utilities and electric cooperatives, the current local program should be reviewed directly. The statewide discussion should not be used to promise identical treatment in every Florida utility territory.
Florida Consumer Protections
Florida gives covered distributed-energy buyers and lessees detailed disclosure protections, but those protections should not be described as universal. The Chapter 520 exemption section matters when determining whether a particular sale, lease, financing arrangement, or installation falls within the statutory framework.
PACE-style qualifying-improvement financing is governed by a separate set of statutes with its own underwriting, disclosure, cancellation, assessment, and enforceability provisions. An ordinary lender-financed system should not be analyzed as if it were automatically PACE, and vice versa.
When a homeowner feels misled, the practical first step is to identify each party and each agreement: seller, installer, lender, third-party owner if any, program administrator if any, and electric utility.
Florida Cancellation Rights
For covered agreements under Florida's distributed-energy disclosure law, the agreement must notify the buyer or lessee of a right to rescind for at least three business days after signing. Florida law also contains exemptions, so the transaction must be checked before assuming Chapter 520 applies.
For qualifying-improvement financing under Florida Statute 163.081, the financing disclosure must state that the property owner may cancel within three business days without financial penalty. That financing right is separate from the solar sales agreement.
Other contractual or consumer-law rights can depend on how and where the sale occurred, the financing structure, the parties involved, and the contract language. Homeowners should preserve proof of when and how they attempted to cancel.
Contractor Licensing and Oversight
Florida law defines a certified solar contractor scope that includes photovoltaic systems. Other properly licensed contractors can also perform solar work when it falls within their authorized scope, so a homeowner should verify the actual license rather than assume the word "solar" must appear on every license.
The Florida Department of Business and Professional Regulation provides an online license-verification portal showing license type and status. That is useful when the salesperson, seller, and installer are different companies.
A licensing problem is separate from a lender dispute or utility-billing problem. The identity of the party responsible for the conduct matters.
These roles are often split across several companies. Keep the seller, installer, lender, program administrator, and utility separate when reviewing responsibility.
Loans and Financing
Florida's solar disclosure statute explicitly warns that the solar disclosure does not contain the terms of the financing agreement and tells financed buyers to review lender disclosures. That distinction matters when a homeowner was sold one monthly-payment story but signed a separate loan with different terms.
The review should separate the cash price, amount financed, dealer or origination costs if any, payment schedule, interest, re-amortization assumptions, and any promise that a tax credit or utility savings would make the payment affordable.
If the financing is actually a qualifying-improvement assessment program, use the separate Florida PACE-style framework rather than treating it like a standard unsecured solar loan.
Tax Credits and Tax Treatment
Current IRS guidance says the Residential Clean Energy Credit is not available for property placed in service after December 31, 2025. A 2026 Florida proposal that still uses the former 30% homeowner credit as an expected payment or guaranteed savings item should be preserved and compared with the actual installation timeline.
Florida separately exempts solar energy systems and components from the state sales tax under Section 212.08. Florida property-assessment law also provides that, for residential property, the just value attributable to a renewable energy source device is not considered in determining assessed value under the current statutory framework.
Those Florida tax rules do not revive the expired federal homeowner credit, and Solar Exit Florida does not determine individual tax liability. Homeowners should use a qualified tax professional for return-specific questions.
Selling or Refinancing With Solar
A Florida title company, buyer, or mortgage lender may ask for payoff, transfer, assumption, ownership, lien, UCC, or assessment information when solar is attached to the property. A financed owned system, lease, and PACE-style assessment can create different requirements.
Florida's solar disclosure framework specifically contemplates lien or UCC and transfer information for covered agreements, which is a good reason to pull the original disclosure before a closing problem becomes urgent.
If a qualifying-improvement assessment is involved, gather the property-tax records and financing agreement in addition to the solar contract.
If the Solar Company Closed
The company that sold or installed the system may not be the company that owns or services the financing. Equipment warranties, monitoring, utility interconnection, and loan servicing can also involve separate parties.
If the installer stopped responding or closed, gather every agreement and identify who currently owns or services each obligation before assuming the contract disappeared with the installer.
Complaint Routing
Florida complaints can route through different agencies depending on whether the issue is contractor licensing, deceptive sales, regulated utility billing, PACE-style financing, or a private lender and contract dispute.
DBPR provides license verification and complaint resources for regulated construction professionals.
Important: DBPR licensing oversight is not the same as private contract representation or lender dispute resolution.
Official ResourceThe Attorney General accepts consumer complaints and uses complaint information to identify patterns that may warrant consumer-protection action.
Important: The Attorney General does not become the homeowner's private attorney for every contract dispute.
Official ResourceFor utilities within its jurisdiction, the PSC provides consumer assistance after the customer first attempts to resolve the problem with the utility.
Important: The PSC does not resolve every private dispute with a solar seller, installer, lender, or municipal utility.
Official ResourceStart by identifying the program administrator, financing agreement, assessment records, and local authorization. The governing statute provides specific disclosure and cancellation requirements.
Important: The correct route can depend on the administrator, local jurisdiction, and specific financing facts.
Official ResourceThe solar-specific disclosure and rescission provisions should not be described as applying to every Florida transaction. Review Section 520.26 before relying on them.
Verify With Official SourceFlorida PSC rules and complaint processes do not mean every municipal utility or electric cooperative is regulated identically. Identify the serving utility first.
Verify With Official SourceWhat We Review
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Florida Solar Contract FAQs
The answer often depends on the agreement, financing, timing, utility, project status, and specific facts.
Start My Free ReviewSometimes. For covered distributed-energy agreements under Florida Statute 520.23, the agreement must notify the buyer or lessee of a right to rescind for at least three business days after signing. Section 520.26 contains exemptions, and other cancellation rules can depend on the transaction. Review the actual agreement and timing.
Florida has an investor-owned utility interconnection and net-metering framework under Rule 25-6.065. Municipal utilities and electric cooperatives can have different implementation details, so the serving utility and current account records should be checked.
For covered agreements, Florida requires a separate written disclosure addressing many items including system and contractor information, cost and payments, financing context, savings assumptions, system production, warranties, roof and insurance issues, liens or UCC filings, transfer conditions, and utility compensation for excess generation.
No. Florida qualifying-improvement financing can be repaid through a non-ad valorem assessment tied to the property and has a separate statutory disclosure and cancellation framework. An ordinary solar loan should not automatically be treated as PACE.
Current IRS guidance says no. The Residential Clean Energy Credit is not available for property placed in service after December 31, 2025. If a 2026 Florida sale relied on the former 30% credit, preserve the sales materials and have a qualified tax professional address individual tax questions.
Florida DBPR provides an online license-verification system. Florida law also allows some other appropriately licensed contractors to perform solar work within their authorized scope, so verify the actual license type and status rather than relying only on the company name.
Start With the Paperwork
Florida has enough solar-specific rules that guessing from the monthly payment alone can send the review in the wrong direction. Gather the signed agreement, separate disclosure, financing documents, utility bills, production records, and any cancellation, PACE, UCC, or home-sale paperwork so the problem can be matched to the right path.
Official Florida Solar and Consumer Resources
These government, regulator, utility, and first-party resources support the state-specific information on this page.
Solar-specific disclosure and minimum rescission language for covered distributed-energy agreements.
Exemptions from the Chapter 520 distributed-energy sales provisions.
Residential qualifying-improvement financing disclosures, underwriting, assessment, and cancellation requirements.
Unenforceable qualifying-improvement financing agreements and timely cancellation consequences.
Investor-owned utility interconnection and net-metering framework for customer-owned renewable generation.
Construction contracting definitions including certified solar contractor scope.
Current contractor and professional license verification.
Consumer assistance for regulated utility service and billing issues.
General consumer complaint and consumer-protection channel.
Florida sales-tax exemption for solar energy systems and components.
Residential property-assessment treatment for renewable energy source devices.
Florida installation count and current state solar market context used for rollout-priority facts.
Current federal homeowner credit timing, including termination after December 31, 2025.
State information reviewed August 18, 2026. Laws, regulations, incentive programs, utility policies, agency responsibilities, and solar billing rules may change. Homeowners should verify current requirements with the appropriate agency, utility, lender, tax professional, attorney, or licensed contractor.