California E&S Insurance

I could have saved you a lot of trouble on that math. I have 28 panels, not 20. My average daily usage is 43kwh, not 26. I couldn't fit any more panels on my 2500 sqft house because of the vents and other things that are commonly installed on roofs. I promise you, it is not even close to enough to offset my usage in January. The excess energy I generate from April to September helps me cover my electricity bills in the winter through net metering, but the power is coming from the grid. Your SF analysis is off by at least 50% because you're ignoring that most households in the city are in multifamily units. Most of the housing in SF doesn't have a roof of its own to install solar on.

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