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New York Solar Contract Cancellation
If the savings pitch does not match your utility bill, you were told the state incentive would pay for everything, the contract is different from what the salesperson promised, the lender payment is too high, you are not sure who receives the incentive value, the installer stopped responding, or solar is complicating a home sale, Solar Exit New York can help you review the contract, utility records, incentive paperwork, financing, and sales representations together.
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Solar Exit New York 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
New York solar disputes can turn on utility territory, the project size and compensation method, NY-Sun incentive disclosures, whether the agreement is a purchase, loan, lease, or PPA, whether local contractor licensing applies, and which company sold, installed, financed, or owns the system. Use the shortcuts below to jump to the issue you need to review.
Common New York 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.
New York home-improvement contracts can carry a three-business-day written cancellation right, but not every solar transaction automatically receives the same treatment. The contract structure, where it was signed, and the actual paperwork should be reviewed before assuming the answer.
A high bill can still happen in New York even with solar. Utility territory, system size, project qualification rules, bill-credit treatment, household usage, fixed charges, interconnection timing, and actual system production can all affect the outcome.
New York homeowners often hear about NY-Sun incentives, bill credits, or tax credits as if they all belong to the homeowner automatically. They do not all work the same way. The signed agreement should be compared against what the salesperson promised.
New York has real solar incentives, but that does not mean a private company can truthfully market every project as free or government-paid. In 2026, the New York Attorney General sued a home solar company and lenders over allegations involving deceptive promises about free or reduced-price solar and home repairs.
Loans, leases, PPAs, payoff requirements, transfer approval, and UCC filings can all create friction in a New York sale or refinance. The actual contract and filing should be reviewed instead of assuming every solar filing is a mortgage lien against the whole property.
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 a New York utility-billing, incentive, contractor, finance, cancellation, or home-sale issue.
We compare the sales proposal, signed agreements, utility records, NY-Sun or incentive documents, financing, payments, production, and project timeline.
The right next step may involve the solar company, utility, DPS/PSC, NYSERDA, Attorney General, local licensing authority, lender, title company, tax professional, attorney, or another qualified professional depending on the facts.
Why New York Solar Problems Are Different
New York is one of the country's largest and most mature distributed-solar markets. That creates a large installed base of homeowners with long-term solar loans, leases, PPAs, utility-bill histories, and project documents that may need to be reviewed years after installation.
The homeowner economics can involve multiple separate benefits at the same time. Utility bill credits are not the same thing as an upfront NY-Sun incentive, and neither one is the same thing as a state income-tax credit or a property-tax exemption. Those distinctions deserve clear review when a homeowner says the numbers do not make sense.
New York also has unusually visible state oversight. DER providers are subject to Public Service Commission rules, the Attorney General is active in solar enforcement, and general home-improvement contract protections still matter. For a homeowner, that makes New York more than a simple production or billing question.
Start With the Utility Territory
New York solar customers can be served by several different electric utilities or service territories. The utility matters because billing, interconnection paperwork, and the customer's credit treatment can depend on the territory and project structure. A bill-complaint review should start with the actual utility records, not only the sales proposal.
Con Edison customers often have dense bill records and project economics that involve both solar production and high delivery-cost expectations. The actual utility bill should be compared against what the salesperson used to estimate savings.
Upstate and Hudson Valley utility customers still need the same review discipline: interconnection records, bill-credit treatment, annual usage, and actual production should all be checked against the sales promise.
Long Island has its own administrative context. PSEG Long Island administers electric service in the LIPA territory, and Long Island projects also appear in NY-Sun program guidance. Contracts, utility records, and incentives should all be reviewed together.
Bill Credits, Net Metering, and Value Stack
New York uses more than one compensation framework. NYSERDA explains that on-site projects under 750 kW AC can receive Net Energy Metering compensation, while larger projects and certain remote or community structures are compensated under the Value Stack or VDER framework. The compensation story therefore depends on the project and utility context, not just the phrase "net metering."
For many typical on-site residential projects, the customer will experience solar through utility bill credits associated with Net Energy Metering or related residential bill-credit treatment. That is the part the homeowner usually sees first.
NYSERDA describes the Value Stack as a compensation system based on the value the project provides to the grid, including energy, capacity, environmental value, and other components. It is not the same as casual "1:1 retail" language.
Even with strong compensation, a homeowner can still see charges because of household usage, fixed customer charges, production shortfalls, seasonal variation, interconnection timing, or a mismatch between the sales estimate and the real utility account history.
A homeowner complaint should start by identifying the system size, the utility territory, when the project qualified, and how the utility is actually crediting the account.
NY-Sun Incentives and Disclosures
New York's NY-Sun program provides incentives through the state's major distributed-solar initiative. Incentive structure can vary by region and program design, and NYSERDA contractor materials emphasize that the incentive amount a contractor receives should be disclosed in the customer contract.
That makes New York particularly useful for contract review. A homeowner may remember hearing that a state incentive or government program was paying for part of the deal, but the signed paperwork still needs to show what incentive was expected and how it affected pricing.
This is also where New York differs from simply talking about utility bill savings. An incentive can reduce project economics on the front end while the utility bill treatment works separately over time.
Who Gets the Benefit?
One of the most important New York review questions is which benefits actually belong to the homeowner and which belong to another party. A purchase, loan, lease, or PPA can all treat system ownership and project benefits differently.
A homeowner may correctly remember hearing about bill credits, NY-Sun, or tax incentives, but the signed agreement can still place system ownership, performance risk, or financial benefit in a different place than the homeowner assumed.
That does not automatically mean the contract is invalid. It means the ownership structure, contract language, and sales story should be compared carefully.
Home-Improvement Contract Protections
The New York Attorney General's home-improvement guidance explains that covered home-improvement contracts must be in writing, legible, and in plain English, and a copy must be given to the customer before work is done. The contract must include core information such as contractor identity, timing, a description of the work, and pricing.
The Attorney General also explains that contractors must protect customer progress payments by escrow or bond and that a contractor or subcontractor may assert a lien claim if unpaid. Those are concrete review issues when the sales process felt rushed or the project later broke down.
New York also warns that the state does not license home-improvement contractors statewide. Licensing can be local, so the contractor's local registration or licensing status may be another useful fact to verify.
New York Cancellation Rights
New York General Business Law section 771 and the Attorney General's home-improvement fact sheet describe an unconditional right to cancel a covered home-improvement contract until midnight of the third business day after the contract is signed. Cancellation must be in writing.
That is strong homeowner language, but it should not be rewritten as a blanket statement that every New York solar agreement always carries the same cancellation right. The nature of the transaction and the actual contract still matter.
The safest review approach is to gather the exact signed contract, the cancellation notice, and the timeline showing when the homeowner received a copy of the agreement.
Licensing and DER Oversight
A New York solar project can involve the solar salesperson, solar installer or contractor, a third-party system owner, a finance company, the utility, and one or more state agencies. Those are not necessarily the same company.
On the consumer-protection side, local home-improvement licensing may matter. On the energy side, the Public Service Commission actively oversees DER providers and has repeatedly taken enforcement action against companies that failed to comply with the rules.
That makes New York complaint routing unusually strong. A homeowner can often narrow the issue by identifying whether the main problem is the contract, the utility bill, the contractor, the lender, or a DER-provider compliance problem.
These roles are not necessarily filled by the same company, which is why the contract set and complaint path should be sorted carefully.
Financing and Payment Expectations
A homeowner may be told that utility savings, incentives, or tax credits will effectively offset the payment. When the assumptions are too aggressive, the result can be a loan or solar payment that feels disconnected from the actual household economics.
This is one reason the 2026 Attorney General lawsuit matters. The state specifically alleged deceptive promises involving free or reduced-price solar and hidden lender fees. Even outside that case, the lesson is the same: compare the sales representations to the signed financing documents and actual payment obligations.
A financing review should also distinguish between the amount financed, any hidden or dealer fees, the expected tax-credit assumption, and the real post-installation utility bill history.
New York Tax Benefits
New York currently allows a state solar energy system equipment credit equal to 25% of qualified expenditures, up to $5,000. The credit can also apply in certain lease or long-term power-purchase situations described by the state, and unused amounts can be carried forward for up to five years.
New York also provides a real-property tax exemption under RPTL section 487 for the increase in assessed value attributable to qualifying solar systems for 15 years. But that rule has an important caveat: local governments can opt out, so the property-tax benefit should be described carefully.
That combination makes New York a strong state for review. A salesperson may have mentioned both benefits, but the exact credit amount, ownership structure, and local property-tax treatment still need to be confirmed against the actual facts.
Selling or Refinancing With Solar
When a homeowner sells or refinances, the title company or lender may ask for payoff, transfer, assumption, termination, or UCC information. That is normal, but it can still be frustrating when the homeowner did not expect it.
A solar deal should be sorted into the right bucket first: owned system, financed system, lease, or PPA. Each structure can raise different questions about payoff, transfer approval, title, or continued service obligations.
The best practice is to obtain the actual contract and any UCC filing, then compare them directly to what the title company, mortgage lender, or buyer is requesting.
If the Solar Company Closed
If the installer or sales company disappeared, the homeowner should still gather the signed agreements, utility records, warranty documents, production data, loan or lease records, and any assignment or servicing notices. The utility account and finance obligations usually continue even when the original company does not.
New York also has active state oversight resources, which can help narrow whether the issue belongs with the utility, DER-provider regulation, a contractor complaint, the Attorney General, or a lender or servicer complaint process.
Complaint Routing
New York has several useful starting points, but the correct agency depends on whether the problem involves utility billing, DER-provider rules, NY-Sun, contractor work, financing, UCC records, or tax questions.
The Attorney General provides consumer-protection resources and has been active in solar enforcement matters.
Important: Not every private dispute is individually resolved by the Attorney General, but it is an important route for deceptive-practice issues.
Official ResourceDPS handles utility complaints and PSC oversees energy-market rules, including distributed-energy-resource provider compliance.
Important: Jurisdiction depends on the company and issue. Purely private contract disputes may need another route.
Official ResourceUse NYSERDA resources for current program guidance, contractor program information, and incentive context.
Important: Program administrators do not resolve every private contract or financing dispute.
Official ResourceBecause New York does not license home-improvement contractors statewide, county or municipal licensing rules may matter.
Important: The right local authority depends on where the project occurred.
Official ResourceThe Department of State provides Uniform Commercial Code filing information and records resources.
Important: A filing record does not by itself resolve the underlying contract or title dispute.
Official ResourceUse current state guidance for the solar energy system equipment credit and related filing questions.
Important: Solar Exit New York does not provide tax advice or determine individual eligibility.
Official ResourceUse current IRS guidance for federal Residential Clean Energy Credit timing and eligibility.
Important: Federal tax issues are separate from state solar and utility issues.
Official ResourceIn 2026, the New York Attorney General sued a home solar company and lenders over alleged deceptive promises involving free or reduced-price solar and home repairs. Save any similar claims you received.
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New York Solar Contract FAQs
The answer often depends on the agreement, financing, timing, utility, project status, and specific facts.
Start My Free ReviewSometimes. Covered New York home-improvement contracts can carry a three-business-day written cancellation right, but not every solar loan, lease, PPA, or other agreement automatically has the same right. Review the actual contract, transaction structure, and cancellation notice.
No. New York uses more than one compensation framework. NYSERDA explains that some on-site projects under 750 kW AC receive Net Energy Metering treatment, while larger or different project structures can receive compensation under the Value Stack / VDER framework instead. The utility territory and project details matter.
NY-Sun is New York's major distributed-solar initiative administered through NYSERDA. It supports solar development and incentives, but those incentives are separate from the utility bill-credit treatment the homeowner sees after installation.
Yes. New York currently offers a solar energy system equipment credit equal to 25% of qualified expenditures, capped at $5,000, with carryforward for unused amounts for up to five years. Eligibility and exact treatment depend on the facts.
Often yes. RPTL section 487 provides a 15-year exemption for the increase in assessed value attributable to qualifying solar systems, but local governments can opt out. The property's location should be checked.
Yes. Loans, leases, PPAs, transfer requirements, payoff terms, and UCC filings can all affect a transaction. The actual filing and contract should be reviewed instead of assuming every solar filing is a mortgage lien against the entire home.
Review the New York Solar Deal as a Whole
New York gives homeowners meaningful solar incentives and consumer-protection tools, but the practical answer depends on the contract structure, utility records, project size, bill-credit treatment, incentive disclosures, financing, project dates, and what the salesperson actually promised. Start with the signed paperwork and the utility history, then build the record from there.
Official New York Solar and Consumer Resources
These government, regulator, utility, and first-party resources support the state-specific information on this page.
Official explanation of New York's Value Stack / VDER compensation framework and bill-credit concepts.
Official statewide distributed-solar program and incentive hub.
Contractor-facing NY-Sun resources and disclosures, useful for incentive and contract context.
Consumer guidance on New York home-improvement contract requirements and cancellation rights.
Statutory cancellation-right language and related home-improvement contract requirements.
Official state income-tax credit guidance for residential solar systems.
Official guidance on the 15-year property-tax exemption for certain qualifying solar systems.
Official local-law and resolution records for municipalities that opted out of the section 487 exemption.
Official utility complaint and regulatory information, including DER oversight.
Evidence of active New York DER-provider enforcement and market oversight.
Current consumer-fraud / deceptive-sales reference relevant to New York homeowner scam concerns.
Official UCC filing information for home-sale and refinance solar issues.
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.