Home Upgrade Quote Red Flags
Common warning signs in Massachusetts heat pump, solar, battery, insulation, and water heater contractor quotes — and why they matter.
Quote claims a specific rebate but lists no AHRI reference numbers or eligible equipment model numbers.
Why it matters: Mass Save rebates require approved equipment. A rebate claim without model documentation cannot be verified.
Monthly loan payment is presented as 'savings' without disclosing total repayment amount or interest cost.
Why it matters: A $200/month loan payment is a debt obligation, not a saving. At 9% APR over 25 years, a $30,000 solar loan costs ~$75,000 total.
Annual savings claim does not specify current fuel cost, current system efficiency, heat pump efficiency (HSPF2), or utility rate used.
Why it matters: Without these inputs, a savings figure is a guess. Savings can vary 40–60% based on fuel price and system efficiency assumptions.
Solar production claim seems high for the system size or location. No degradation assumption is disclosed.
Why it matters: Solar systems degrade ~0.5% per year. A 20-year payback model that doesn't account for degradation understates true payback by 1–3 years.
0% APR financing that includes an undisclosed dealer fee rolled into the loan principal.
Why it matters: Dealer fees of 10–25% effectively convert 0% APR into an 8–15% effective rate when amortized.
Battery added to solar quote without a clear backup, rate arbitrage, or demand response (ConnectedSolutions) justification.
Why it matters: Battery adds $10,000–$20,000 to system cost. Without a clear financial or resilience rationale, it may not be worth it.
Quote does not itemize electrical work, panel capacity check, or permit costs.
Why it matters: Heat pump installations often require 200A panel upgrades or sub-panel additions not included in a base quote.
Payback period uses future utility rate inflation without disclosing that assumption.
Why it matters: Assuming 3–5% annual utility rate increases dramatically shortens apparent payback. A realistic model uses flat rates for sensitivity.
Quote does not include warranty terms, labor coverage period, or manufacturer warranty contact information.
Why it matters: Heat pump and solar warranties vary significantly. 5-year vs 12-year labor coverage is a material difference.
No-cost solar or solar for free language is used without disclosing financing, lease, or PPA structure.
Why it matters: There is no free solar. 'No upfront cost' means you're financing, leasing, or entering a PPA — each has different financial implications.