Financing PV

Green Building

Energy Saving Ideas

Glossary of Solar Terms -Glossary More

Solar Energy In General

You should probably know where Iím coming from. My father was a city planner and was concerned about over population. Then I spent two years in the Peace Corps in India and got to see too many people for too little resources. I also got to see great recycling, in 1966. They had soda bottles that were used over and over, caps included. The folks there didnít have a lot of ďstuffĒ and when something broke they fixed it rather than bought new. On returning to the US, we seemed to be wasteful, inefficient and taking more than our share (see the Story of Stuff). Iíd love to see every twenty year old spend time in such a place.  I then worked in academic theatre for forty years. In the theatre you have a dream and a budget. The first is always bigger than the latter. Then there is the definition of academic, ďthe contemplation of that for which one does not have the money.Ē We had to get a lot of show for not much money.  Finally I must admit that Iím frugal, Scottish heritage and all that. So when it came to building a house I wanted the most recycled and energy efficient thing I could build.

I installed a drain back solar hot water and then a photovoltaic (PV) battery back up system about thirty five years ago when the house was built. I did it chiefly to save money and secondly because it seemed a good idea for the environment. Now these causes have been reversed. I have had grid tied PV installed on principle. I donít plan to talk much about specific equipment here. Installers and web research (see links) to do that. As usual get at least three bids and let them know about each other. For a more complete information on my house please see Here, for Networx site and Energysage for more statistics on the house.

Now if you are considering a solar installation, please realize that you will have to change your relationship with hot water and/or electricity. These systems are more complex and new. Just as you are spending more time with trash now that we recycle, solar energy will take a bit more of your attention.

The first problem is the folks who do the installation and maintenance. Both hot water and PV are developing technologies and we are all learning. There are installers who are just starting and learning on you but are not too costly. There are a few installers who have done the work for years and are more expensive but very good. Bear in mind that slowly the former become the latter. Also the latter may not have the latest training. Then there are installers who are crooks and are even more expensive as you will need to pay to have their mess fixed. You need to spend time finding the right person. Over the years my hot water system has, bit by bit, been totally replaced. Iíve dealt with all three types of installers. The more you can do yourself the better.

The Site
Can the sun get to your collectors? Tree growth and removal is an ongoing problem. Lets talk about trees and photovoltaic (PV) solar. In discussions on installing PV, trees are a frequent drawback. They are too beautiful around the house to remove. We should not clear cut land for PV. But how do we define clear cutting. I have a neighbor who cut down all the trees around the house so that the garden might have sun. Others cut trees to build a house or several houses. Is that clear cutting?

I define clear cutting as more than a couple acres of land. When I lived in the Seattle and saw the land laid bare for as far as the eye could see by loggers. I hated it! On the other hand I finally cut down my favorite tree because it had grown to shade my solar panels. Like many things in life it is not a black and white issue. Trees do not have nearly the carbon offset of PV solar. Do we keep every tree only to lose them all to the drought of climate change?

There is a problem with tree zoning laws against PV in South Hadley. SHELD, often with the Town of South Hadley, is likely to be the only entity to install any large scale PV array. SHELD is not a nasty out of town developer planning to denude us of trees.

Right now there is no need to put up large solar arrays in the woods. South Hadley has parking lots, large roofs and open fields for PV arrays. South Hadley is also one of the slowest towns in the state to act against climate change.


According to American Forests, one tree stores about 0.5 metric tons of CO2
over its lifetime. Producing a typical 5 kWh solar system emits about 10
metric tons of CO2, so the total CO2 emissions associated with removing one
tree and installing a residential solar power system are about 10.5 metric
tons.Your solar panels should generate at least 6000 kWh of electricity per
year, and should last for approximately 25 years.This means that over the lifetime of your panels, you will produce about
150,000 kWh of emissions-free electricity. This translates to a whopping
103 metric tons of CO2 offsets over the life of the panels!For the removal of the tree to make sense, the net CO2 reduction will need
to exceed 10.5 metric tons. That seems like a lot at first, but when you
calculate the CO2 emissions you will offset by switching to solar from
fossil fuels, it isn't much at all.
Subtracting the original 10.5 metric tons of CO2 emissions needed to
install the 5 kWh solar panels from the 103 metric tons of CO2 benefits
they will generate results in a net benefit of 92.5 metric tons of CO2
offsets– the equivalent of planting more than 180 trees.

End of tree talk.

Is you roof south facing? Is the roof at the right pitch? If not, at what angles the will panels be set? Often it can be at very odd angles to solar south. Can you put the panels on the ground? If you plan to put solar panels on the roof, how old are your shingles? It is best to have a newly replaced the roof with 40 year shingles. Taking solar panels off the roof, redoing the roof, and putting the panels back is expensive. Roofers don't like it. Are there obstructions on the roof such as dormers and skylights? The Installer will also need to check the roof stregnth for the weight of the panels. If the roof is steep enough the panels will shed the snow load after each snow. The problem is that is that the panels weight is transfered to the roof by small legs at four foot intervals. The weight of the snow is not distributed over the whole roof. It is a point source on ten of twelve locations.

One day after storm, the snow has slipped off the panels. Roof rake was used on left. Note the hot water solar panels on the left roof are still burried since the lower roof catches the snow.

Solar Hot Water
The first step is to conserve. Use low use showerheads, cold water for washing clothes, insulate your hot water pipes, use movable insulation on windows and so on. Please see ENERGY SAVE. You can do these things yourself. There is some dispute over how hot to set your hot water tank. Some say 120 degrees is best to save electricity and some say 150 degrees in order to prevent NTM disease (check Time – “What’s in Your Pipes”)

The value of solar hot water systems increases with the number of people in the house (quantity of hot water needed) and the further south you are. If you live by yourself in New England, solar hot water will take a long time to break even. It is not just a mater of installation cost vs. long term savings. Once the payback time is into decades, you need to consider the upkeep cost. The system needs periodic check ups on the propylene glycol and moving parts. Any service call from a quality installer can cost as much as a call from a plumber. The storage tank, like a traditional hot water heater, has a ten to fifteen year warranty. A new storage tank can cost $1500 installed. I found it wasn'worth it.

The air to air heat pump hot water heater takes heat out of the air in your basement and puts it into the hot water tank. It has a back up electric heating element for quick recovery if hot water demand is high. I added one in 2014 and removed the hot water roof panels.The rebates can pay for much of the heater.

Photovoltaic Systems
As with hot water do the easy things first: use CFL bulbs, put vampire loads on power strips with switches, etc. A generator tied to the furnace is handy in an ice storm. Grid tied PV doesn’t provide power in a black out. It is best to own the system, as opposed to leasing or PPA.

I like PV because there are no transmission losses and it makes electricity during peek hours so we may have to build fewer power plants. The PV panels last a long time. My 25 year old panels were still working, albeit a tad less efficiently, when I removed them to upgrede the system. Grid tied systems need almost no maintenance and have no moving parts. Batteries are not long lived and have several problems. Grid tied systems seem to be the way to go now that electric companies in MA have to go along with it. If you have a muni (municipal power company), they may not have any incentives. Contact them directly or see Munihelps. The state and federal (page down) tax rebates will help.  My one worry is the inverters. Inverters donít have great warranties, only 10-15 years so they may need replacing thus raising the long term pay back.


When Net Metering is "one to one" or full-retail value net metering the credit for a kilowatt hour sent to the grid is the same as the cost of a kilowatt hour from the grid. One to one net metering allows the residential customer to store electricity from the summer as a credit on the electric bill for use in the winter when there is much less sunlight. During the winter heat pumps can use that electric credit to heat the house.

Some utilities have dropper the Net Metering by two thirds. The obvious solution is for the homeowner to use as much electricity as possible when the sun is up: wash and dry clothes, use the dishwasher, use electric stoves, charge the car, run electric heating, use large power tools, etc. The side effect is that on hot summer days when power use hits a peek the residential solar home will be using as much power as possible. Literally making laundry, charging batteries, running AC, etc. (or hay) while the sun shines.

So now the lower net metering will push solar owners to use electricity from the grid during the day (high grid load time) when they could be contributing electricity to the grid. In the future storage costs will drop. Solar PV will be installed with storage. Solar produces direct current (DC) and all batteries use direct current. Battery costs will drop. Low voltage DC lighting will grow. Eventually new homes with solar PV and storage may not even be connected to the grid.

Solar saves you money(see Financing PV). Much depends on future energy costs and incentives.The costs will certainly go up. There may be better incentives in the future. In the 1970’s they were much better than the present so there’s hope. I am retired. I put in solar and bought a Volt so that my energy costs will be fixed in the future.

More convincing is all we read about global warming, pollution causing health problems and the use of oil for fuel instead of all its many other products. We will have to do something new in the future so we might as well get started. It is the right thing to do.

If you build a house, have a friend who is doing so, or even see a site being cleared, Please Please Please get them to orient the new house and roof to solar south. Itís a crime not to find solar south and face the roof and a wall of glass towards it. It is so easy to do before building and so impossible later.

PV systems vary greatly in their output. If there is snow on the panels they do not make electricity. If a panel has a square foot of shade on it the output drops to almost nothing. On a cold sunny day in the winter a 4 kw system meter reads just over 4,000 watts. On a cloudy day it reads 2,000 watts. In the summer a system in MA can produce three much electricity as in the winter. When the panels are hot in the summer, the output is reduced due to electronics not liking heat.




The hot water panels were an old drain back system and use water as a heat transfer medium instead of food grade glycol. It had been completely replaced as pieces have failed over the years which is why it has probably not saved me money. I didn't use it in the winter and only on sunny days the rest of the time because as a single person I use so little hot water. In 2014 I removed the hot water panels and installed a heat pump water heater powered by PV.


The Back of My First Panel (12 volt)

Note the Manufacturer

The battery back up system was 12 volt and ran many low voltage items (radio, lights, alarm system, screw guns, an attic fan and charging stations). It proved very useful in power outage situations along with a generator. Please note a grid tied system will not produce power during a power outage. All inverters shut down to protect the line crews. I prefer a back up generator to batteries. In 2030 batteries may be good enough and cheap enough to look at again.

The grid tied photovoltaic panels were installed during the summers of 2009 through 2017. I purchased most of systems from the Solar Store of Greenfield and Northeast Solar in Hatfield. They were very good! The great thing about the system was the relatively new Emphase micro inverters. Instead of one large inverter in the basement, there is a small one under each panel. A shadow on one panel doesn't turn off a whole string of panels and each panel reports what it is producing. The Enphase inverters let you monitor what each panel is doing in real time or for the past day or week. Take a look. I also chose Enphase because I did seven installs of 1-2 kw each and not one big install of 9.5 kw. That kept me from having to take out a loan and let me average out the price fluctuations. The down side of micro inverters is that when one dies you have to go up on the roof to fix it. If you have a large inverter in the basement, when it dies it is an easy replacement job. The PV panels degrade at about 1/2 to 1 percent a year.

The Money Side

Most Electric companies in MA will pay you some percentage what they charge you for the electricity you send back to the grid. I should say that they will credit you bill for it. If you produce more than you use, you have a year to use the escess. If you don't use it within one year, the credit is lost. Electric companies do not want home owners to become power companies. Money to help you pay for PV installation comes from your town, state, electric company, and the federal government. Please note that every town and power company is different.The financing programs are changing all the time So you have to catch the best deal. It is rather like the stock market. A very good layout of what systems cost is available Here. As of 2014 Mass stopped the solar rebate program and started low interest bank loans (Mass Solar Loan Program) done through banks. If you live in South Hadley (a muni or municipal electric light co.), SHELD had a rebate program for a year. To really reduce an electric bill, a 5-7 KW system would be best.

PV systems usually have no maintenance, the panels last for 25-30 years and the modern inverters are conservatively guaranteed for 15-20 years. That said several of my 09 vintage inverters have had to be replaced. I am told that is no longer a problem.

There are several fairy tails about PV. Solar panels will not suck up all the sun so we have none left for crops. There is very little light reflected off the panels and what there is goes onto the roof or ground. Drive by the road facing array next to Atkins off Rt.116 to check this out. When headlights hit an array they will be reflected up into the sky. Not back at the driver! Most of the energy from the sunlight is used in the panel so there is very little chance of an array melting the siding off a house. PV panels in this area are cleaned by rain. They do not need to be washed. Some folk do not like the look of an array. I do because they may save the world. In a similar way I am not fond the look of electric wires on poles along the road. I accept the unsightliness because it is the only way to get electricity from the grid. PV is one of the only ways we have to get to have electricity without destroying the world due to climate change.

Please feel free to contact me for more information or a tour.


There are photos of the installs.


The plywood safety rail at the roof's edge was a great help. The large panels in the background are the hot water system and the seven tiny panels are the 12v backup system.

The Enphase inverters are plug and play allowing easy inatallation.

PV panels went up the ladder.

Done! Grid tied Solar! Installs 1 & 2

2 large hot solar water on the left, 7 battery panels in center and grid tied on right.

Dog in window.

Solar store install 3

Install 3 being done by Solar Store of Greenfield 2012

4th Instal

4th Install done in September 2013. The grid tied system is now 4KW.

Install 5 with old hot water & 12V battery PV systems removed in 2014

2016 Install 6 (the three panells on the left)

Last Install 2017, a flat ground mount due to ledge

Once a year look to be sure no wires are touching the shingles

If they are then the wire's insulation will be "sanded" off