Underwriting a PV asset means asking the owner what is installed, trusting their answer, and hoping the maintenance history is accurate. DERpass replaces questionnaires with structured component data, an actual maintenance cadence from the event log, and verifiable installer certificates.
The underwriting questionnaire asks the owner what inverter model is installed, when it was last serviced, and whether there have been faults. These answers cannot be independently verified, exposing the insurer to basis risk.
Some owners send a PDF datasheet. Others send a photo of the nameplate. Others describe the system verbally. Component age, model, and installation date arrive in incompatible formats — or not at all.
When a claim is submitted, the insurer must establish what was installed, when, by whom, and what its condition was before the loss event. Without structured records, this requires private investigation or a contested valuation.
Aggregating maintenance cadence, component age, or coverage gaps across a portfolio of insured assets requires contacting each operator individually — because there is no standard format for this data.
Manufacturer, model, serial number, and installation date for every module, inverter, and battery — available directly from a structured file, without requiring the owner to fill out a form or retrieve a PDF.
The maintenance history should come from a timestamped event log — showing the dates and nature of every service visit — not from a question that asks "how often do you service the system?"
Current insurance policies — coverage type, insured value, insurer, and expiry — should be part of the asset file, allowing renewals, portfolio checks, and gap identification without re-submitting data from scratch.
The installer's certification, commissioning date, and the VDE or NEN norm under which the system was approved should be structured, referenceable fields — supporting warranty determinations and liability assessments.
The modules, inverters, and storage chapters provide manufacturer, model, serial number, and installation date for every device in the system. The insurer receives this data directly from the asset file — no form, no manual verification step.
Every service visit, fault, repair, and curtailment event is recorded in the events chapter with a date, description, and optional technician attribution. The insurer sees the actual maintenance history — not an owner estimate — including any incidents that are relevant to risk pricing.
The insurance chapter lists active policies with coverage type, insured value, insurer name, policy number, and expiry date. Renewals and portfolio checks can be performed without asking the owner to resubmit data. Coverage gaps are visible at the file level.
The commissioning chapter records the installer name, certification number, commissioning date, and the norm under which the system was approved (VDE-AR-N 4105, NEN 1010, etc.). This supports warranty claims, product liability determinations, and coverage of installer error.