If’s role in a solar-powered future

As Europe accelerates towards a greener future, solar energy will become an increasingly central part of the energy landscape. The EU’s solar energy strategy therefore includes requirements for the installation of solar panels (PV panels) on new buildings and during major renovations. With the right planning and solutions, we can ensure a safe and sustainable transition to solar energy. At If, we are here to support a brighter, greener future.

Solar energy is primarily harnessed in two ways. PV panels generate electricity from sunlight, whilst solar collectors utilise the sun’s heat by circulating fluid to systems such as heat pumps or swimming pools.

Despite the clear benefits of solar energy, its rapid expansion also brings new challenges. At If, we see it as our responsibility to help businesses and households navigate these risks. With the right planning and solutions, we can ensure a safe and sustainable transition to solar energy.

What does the legislation mean for you?

The EU’s Energy Performance of Buildings Directive includes a phased plan for the installation of PV panels. Member states must ensure that solar energy systems are installed where technically, economically and functionally feasible, according to the following timeline:

By 31 December 2027:
- On all existing public buildings with a usable floor area over 2,000 m²
By 31 December 2028:
- On all existing public buildings with a usable floor area over 750 m²
By 31 December 2030:
- On all existing public buildings with a usable floor area over 250 m²
By 31 December 2026:
- On all new public and non-residential buildings with a usable floor area over 250 m²
By 31 December 2029:
- On all new residential buildings and new car parks with roofs directly connected to buildings

To facilitate these changes, the EU is also simplifying permit processes, increasing solar panel manufacturing capacity and investing in training programmes.

Hidden risks of solar installations

Andreas Kräling, who is Head of Property Risk Management Sweden at If, explains that although PV panels are a significant step forwards for sustainability, they can pose risks if not installed or maintained correctly.

“Many of these systems are relatively new, which also means new challenges – often related to fire safety. The use of non-combustible materials between panels and the roof can reduce risks, but that is not always enough. Proper insulation is also crucial to prevent potential fire spread”, Andreas explains.

Other risks include:

Challenges for firefighters: Solar panels can make roof ventilation more difficult during firefighting operations.
Poor installations: Several inspections have identified electrical faults, faulty connections, inadequate grounding and damaged modules.
Lack of common standards: Work is ongoing to harmonise regulations, but a unified standard is not yet in place.
Ageing systems: Older panels are more prone to mechanical issues, which increases fire risks.
Cyber risks: Smart home and industrial solar systems require robust cybersecurity to prevent hacking or malfunctions.

Andreas Kräling emphasises that regular inspections and maintenance by qualified professionals are essential.

“Maintenance is key. I also recommend installing an emergency shutoff switch and conducting regular thermal imaging inspections.”

The future of solar energy

Although solar technology does come with certain risks, the opportunities far outweigh them. New building materials, smarter solutions and ongoing research continuously pave the way for safer and more efficient solar systems. The pace of development is rapid.

At If, we are committed to helping households and businesses to confidently embrace this transition. Whether it involves fire safety, risk assessments or innovative solutions, we are here to support a brighter, greener future.