Bay Area quote review — 6.9kW + 10kWh battery, $22,114 net. Thoughts?
Looking for a sanity check on a solar+battery quote before I sign. First time doing this, so brutal honesty welcome.
Location: Union City, CA 94587 (East Bay). PG&E delivery, Ava Community Energy (CCA) for generation. On the EV2A rate plan.
System:
- 6.9kW DC / 15x REC Alpha Pure-R 460W panels
- Enphase IQ8X-80 microinverters (1:1)
- Enphase IQ Battery 10C, 10kWh usable, energy arbitrage mode
- Extra: tile roof mounting ($345), "Essentials" backup panel ($2,500)
Pricing:
- List price: $36,148
- Discounts: -$345 ("6kW Group") + -$13,689 ("Propel" program) = -$14,034
- Net cost: $22,114 (possibly $21000 if I sign before a stated deadline)
Projected numbers (per their proposal):
- Year 1 production: 9,681 kWh (~102% of usage)
- Avg monthly savings: $248.56
- Payback: 6.8 years, 15.91% annual ROI
Why I'm skeptical of their projected numbers:
Pulled my real bill: 77% of my usage is off-peak at $0.318/kWh, but peak (4-9pm) is $0.716/kWh and part-peak is $0.561/kWh. My actual trailing-12-month average bill is ~$225/mo, and even the last 6 months average ~$233/mo
Questions:
Is $22,114 (6.9kW + 10kWh Enphase + extras) a fair Bay Area price right now?
Anyone dealt with a "Propel" style discount program or similar large list-to-net markdown — normal?
Enphase IQ Battery 10C vs. other options at this price point (Tesla Powerwall 3, FranklinWH, etc.) for someone on EV2A with a wide peak/off-peak spread — worth the swap?
Does this look reasonable enough to move forward?
What happens if something happens to the panels act of god or something similar (from an insurance perspective - home insurances covers it
Happy to share more details if useful. Thanks in advance.