Education and Financing and the Law for HOA

A Non-Technical Introduction to Solar

There are four major components to solar electric systems 

.All of these components are necessary to have a functioning Solar Electric (PV) system.

SOLAR PANEL  is the basic building block of the system.This is your battery charger. If you have several solar modules wired together you have created a solar array. The size of the solar array determines the amount of power or energy that will be produced. Your location is also a factor in the amount of energy produced. If you live in Florida, Southern California, or Texas you will produce more than if you live in Oregon, Maine or Maryland. In general the closer to the equator you live your system will produce a larger amount of energy.

CHARGE CONTROLLERS come in many different sizes and types.They all basically do the same thing. The charge controller prevents the solar panel or array from overcharging your battery. 

BATTERIES  are the energy storage for your system. Without batteries there is no way to store the energy your solar panels produce during the day. Typically loads receive their power from batteries instead of directly from the output of a solar panel. A solar panel produces a high voltage that will damage electronics if loads are powered directly. A common application for solar panels directly powering a load is water pumping. Instead of storing energy you store water. This way you can pump during the day and have water all night. Batteries will provide you with the energy you need at night.

 INVERTER  converts the DC energy stored in your batteries and turns it into the AC power you use in your home. Inverters are rated by wattage and the quality of their output. You can use a 50 watt inverter that plugs into your car 12 volt outlet to power a computer, or you could have a 4000 to 11,000 watt inverter system that powers your home. These major components can be put together in many different ways. Minor components like wire, disconnects,circuit breakers, and fuses are also needed for a complete system. 



WIND POWER   wind%20power%20diagram.jpg  Image from the American Wind Energy Association


Wind energy is a form of solar energy created by the uneven heating of the Earth's surface by the sun. Most small wind turbines use a horizontal axis propeller, or rotor, to capture the kinetic energy of the wind and convert it into rotary motion to drive a generator, which usually is designed specifically for the wind turbine. The rotor consists of two or three blades, usually made from wood or fiberglass. (These materials give the turbine the needed strength and flexibility, and have the added advantage of not interfering with television signals.) The structural backbone of the wind turbine is called the mainframe, and it includes the "slip-rings" that connect the wind turbine - which rotates as it points itself into changing wind directions - and the fixed tower wiring. The tail aligns the rotor into the wind.
 
To avoid turbulence and capture greater wind energy, turbines are mounted on towers. As a rule of thumb, turbines should be mounted at least 30 feet above any structures or natural features within 300 feet of the installation. Smaller turbines can go on shorter towers. For example, a 250-watt turbine may be mounted on a 30-50 foot tower, while a 10 kW turbine will usually need a tower of 80-120 feet. Towers come in a variety of designs, including tubular or latticed, guyed or self-supporting. Wind turbine manufacturers also offer towers, and can ensure that the tower meets required building and safety specifications as well as being compatible with the turbine.  
awea.org     

Florida has very low wind speeds. The outcome from a wind generator may not be what you may be expecting.  Our Air X Marine is excellent for charging equipment in boats. We are still researching land wind generators for use in Florida.  We refuse to knowingly sell something that will not work well.


SOLAR HOT WATER

Solar Water Heating for Buildings

Most solar water-heating systems for buildings have two main parts: (1) a solar collector and (2) a storage tank. The most common collector used in solar hot water systems is the flat-plate collector.

Solar water heaters use the sun to heat either water or a heat-transfer fluid in the collector. Heated water is then held in the storage tank ready for use, with a conventional system providing additional heating as necessary. The tank can be a modified standard water heater, but it is usually larger and very well insulated. Solar water heating systems can be either active or passive, but the most common are active systems.  

Did you know that Solar hot water systems were widely popular in  the 1890s?
I found many interesting facts like this from this site http://energyquest.ca.gov/story/chapter15.html

"In the 1890s solar water heaters were being used all over the United States. They proved to be a big improvement over wood and coal-burning stoves. Artificial gas made from coal was available too to heat water but it cost 10 times the price we pay for natural gas today.  Electricity was even more expensive if you even had any in your town!
Many homes used solar water heaters. In 1897, 30 percent of the homes in Pasadena, just east of Los Angeles, were equipped with solar water heaters. As mechanical improvements were made, solar systems were used in Arizona, Florida and many other sunny parts of the United States.

solarhouse1890.jpgThe picture shown here is a solar water heater installed on the front roof of a house in Pomona Valley, California, in 1911 (the panels are circled above the four windows).

 By 1920, ten of thousands of solar water heaters had been sold. By then, however, large deposits of oil and natural gas were discovered  As these low cost fuels became available, solar water systems began to be replaced with heaters burning fossil fuels.


Active solar water heaters

Active solar water heaters rely on electric pumps, and controllers to circulate water, or other heat-transfer fluids through the collectors. These are the three types of active solar water-heating systems:

  1. Direct-circulation systems use pumps to circulate pressurized potable water directly through the collectors. These systems are appropriate in areas that do not freeze for long periods and do not have hard or acidic water. These systems are not approved by the Solar Rating & Certification Corporation (SRCC) if they use recirculation freeze protection (circulating warm tank water during freeze conditions) because that requires electrical power for the protection to be effective.

  2. Indirect-circulation systems pump heat-transfer fluids through collectors. Heat exchangers transfer the heat from the fluid to the potable water. Some indirect systems have "overheat protection," which is a means to protect the collector and the glycol fluid from becoming super-heated when the load is low and the intensity of incoming solar radiation is high. The two most common indirect systems are:

Passive solar water heaters

Passive solar water heaters rely on gravity and the tendency for water to naturally circulate as it is heated. Because they contain no electrical components, passive systems are generally more reliable, easier to maintain, and possibly have a longer work life than active systems. The two most popular types of passive systems are:

  1. Integral-collector storage systems consist of one or more storage tanks placed in an insulated box with a glazed side facing the sun. These solar collectors are suited for areas where temperatures rarely go below freezing. They are also good in households with significant daytime and evening hot-water needs; but they do not work well in households with predominantly morning draws because they lose most of the collected energy overnight.
  2. Thermosyphon systems are an economical and reliable choice, especially in new homes. These systems rely on the natural convection of warm water rising to circulate water through the collectors and to the tank (located above the collector). As water in the solar collector heats, it becomes lighter and rises naturally into the tank above. Meanwhile, the cooler water flows down the pipes to the bottom of the collector, enhancing the circulation. Some manufacturers place the storage tank in the house's attic, concealing it from view. Indirect thermosyphons (that use a glycol fluid in the collector loop) can be installed in freeze-prone climates if the piping in the unconditioned space is adequately protected. 
http://www.eere.energy.gov/   



Remember, when you buy a system from us , we go over in depth what you need for your specific rebate.
We also offer in house workshops called "Solar 101" They last a little over an hour and when we are finished , you will be much more knowledgable about alternative energy. $10.00 gets you a slide show, Q&A session, free beverages and a gift from us.
We give deep discounts to our products for the people whom attend our workshops. We also give a discount for future site inspections for a PV array to anyone who attends our wokshop/lectures.

Sign up by sending an email to sales@windandsolarnow.com  Put workshop signup in subject.

Links for Kids up to age 99
http://energyquest.ca.gov/index.html
http://www.eia.doe.gov/kids/
http://www.energystar.gov/index.cfm?c=kids.kids_index
http://www.touchstoneenergykids.com/farm.php  

Financing.

The price of a PV system can be very daunting and unaffordable. Who has 20,000 lying around, right? Skyecrafts Solar Store understands this and we do have some options that we can suggest for PV installation.  

We are partnered up with Synovius bank and they will give assistance to our customers who are qualified.

Here is a listing of some other options:

Energy Efficient Mortgages

Last DSIRE Review: 10/02/2008 
Incentive Type:     Federal Loan Program
Eligible Efficiency Technologies:     Yes; specific technologies not identified
Eligible Renewable/Other Technologies:     Passive Solar Space Heat, Solar Water Heat, Solar Space Heat, Photovoltaics, Daylighting
Applicable Sectors:     Residential
Website:    http://www.resnet.us/ratings/mortgages/default.htm


Summary:
      Homeowners can take advantage of energy efficient mortgages (EEM) to finance a variety of energy efficiency measures, including renewable energy technologies, in a new or existing home. The U.S. federal government supports these loans by insuring them through Federal Housing Authority (FHA) or Veterans Affairs (VA) programs. This allows borrowers who might otherwise be denied loans to pursue energy efficiency improvements, and it secures lenders against loan default. 
 
The federal Energy Star program has a partnership program for lenders whereby lenders who provide EEMs to borrowers may become Energy Star lender partners. These EEMs may or may not be used to purchase an Energy Star qualified home. Becoming a partner allows lenders to utilize the Energy Star brand to promote themselves as Energy Star partners offering EEMs. To become a lender partner lenders must first provide proof that they know how to write EEMs. To maintain their partnership benefits, lenders must write a certain number of EEMs per year. Energy Star does not have a lender certification program or process. Click here for more information about Energy Star's lender partnership program. As of August 2008, the federal Energy Star program lists 61 private lenders who offer homebuyer assistance, HERS assistance, special financing, and other assistance to applicants buying homes with the Energy Star rating. Energy Star requires that its lender partners provide EEMs to qualified borrowers regardless of whether it is an FHA EEM, Fannie Mae EEM, or VA EEM. 
 
FHA Energy Efficient Mortgages 
The FHA allows lenders to add up to 100% of energy efficiency improvements to an existing mortgage loan by insuring a loan of up to 5% of a home’s appraised value with certain restrictions. FHA mortgage limits vary by county, state and the number of units in a dwelling. See www.fha.com/lending_limits.cfm for more details. 
 
Loan amounts may not exceed the projected savings of the energy efficiency improvements. These loans may be combined with FHA 203 (h) mortgages available to victims of presidentially-declared disasters and with financing offered through the FHA 203 (k) rehabilitation program. FHA loan limits do not apply to the EEM. Homebuyers must submit a Home Energy Rating (HER), contractor bids, and a FHA B Worksheet. This process may become streamlined in 2009 as a result of the Housing and Economic Recovery Act of 2008, which requires HUD to report to congress with ways to remove the administrative barriers and increase consumer participation and awareness of these financing options. 
 
Presently, up to $200 of the cost of the HER may be included in the mortgage, and borrowers may include closing costs and the up-front mortgage insurance premium in the total cost of the loan. The loan is available to anyone who meets the income requirements for FHA’s Section 203 (b), provided the applicant can meet the monthly mortgage payments. New and existing owner-occupied homes of up to two units qualify for this loan. Cooperative units are not eligible. Homebuyers should submit applications to their local HUD Field Office through an FHA-approved lending institution, or they can apply directly online at www.fha.com/energy_efficient.cfm. See also www.hud.gov/offices/hsg/sfh/eem/energy-r.cfm. 
 
Department of Veterans Affairs (VA) Energy Efficient Mortgages 
The VA insures EEMs to be used in conjunction with VA loans either for the purchase of existing homes or for refinancing loans secured by the dwelling. Homebuyers may borrow up to $3,000 if only documentation of improvement costs or contractor bids is submitted, or up to $6,000 if the projected energy savings are greater than the increase in mortgage payments. Loans may exceed this amount at the discretion of the VA. Applicants may not include the cost of their own labor in the total amount. No additional home appraisal is needed, but applicants must submit a HER, contractor bids and certain other documentation. The VA insures 50% of the loan if taken by itself, but it may insure less if the total value of the mortgage exceeds a certain amount. 
 
This mortgage is available to qualified military personnel, reservists and veterans. (See www.homeloans.va.gov/elig2.htm for more details). Applicants should secure a certificate of eligibility from their local lending office and submit it to a VA-approved private lender. If the loan is approved, the VA guarantees the loan when it is closed. 
 
Conventional EEMs 
Like Energy Star mortgages, conventional mortgages are not backed by a federal agency. Private lenders sell loans to Fannie Mae and Freddie Mac, which in turn allow homebuyers to borrow up to 15% of an existing home’s appraised value for improvements documented by a HER. 
 
Fannie Mae also lends up to 5% for Energy Star new homes. Fannie Mae EEMs are available to single-family, owner-occupied units, and Fannie Mae provides EEMs to those whose income might otherwise disqualify them from receiving the loans by allowing approved lenders to adjust borrowers’ debt-to-income ratio by 2%. The value of the improvements is immediately added to the total appraised value of the home. 
 
Freddie Mac offers EEMs for one- to four-unit dwellings and also helps raise the effective income of the borrower to qualifying levels by allowing lenders to increase the borrower’s income by a dollar amount equal to the estimated energy savings. Any energy efficiency improvements can qualify, and these mortgages can be combined with both fixed-rate and adjustable-rate mortgages. Borrowers should apply directly to the lender. See www.natresnet.org/resources/lender/default.htm for more details. 

LAWS FOR HOME OWNERS ASSOCIATIONS
The 2000 Florida Statutes
 
 Title XI
COUNTY ORGANIZATION AND INTERGOVERNMENTAL RELATIONS Chapter 163
Intergovernmental Programs View Entire Chapter
 
163.04  Energy devices based on renewable resources.--

(1)  Notwithstanding any provision of this chapter or other provision of general or special law, the adoption of an ordinance by a governing body, as those terms are defined in this chapter, which prohibits or has the effect of prohibiting the installation of solar collectors, clotheslines, or other energy devices based on renewable resources is expressly prohibited.

(2)  No deed restrictions, covenants, or similar binding agreements running with the land shall prohibit or have the effect of prohibiting solar collectors, clotheslines, or other energy devices based on renewable resources from being installed on buildings erected on the lots or parcels covered by the deed restrictions, covenants, or binding agreements. A property owner may not be denied permission to install solar collectors or other energy devices based on renewable resources by any entity granted the power or right in any deed restriction, covenant, or similar binding agreement to approve, forbid, control, or direct alteration of property with respect to residential dwellings not exceeding three stories in height. For purposes of this subsection, such entity may determine the specific location where solar collectors may be installed on the roof within an orientation to the south or within 45° east or west of due south provided that such determination does not impair the effective operation of the solar collectors.

(3)  In any litigation arising under the provisions of this section, the prevailing party shall be entitled to costs and reasonable attorney's fees.

(4)  The legislative intent in enacting these provisions is to protect the public health, safety, and welfare by encouraging the development and use of renewable resources in order to conserve and protect the value of land, buildings, and resources by preventing the adoption of measures which will have the ultimate effect, however unintended, of driving the costs of owning and operating commercial or residential property beyond the capacity of private owners to maintain. This section shall not apply to patio railings in condominiums, cooperatives, or apartments