PHOTOVOLTAIC SYSTEMS EUROPEAN PERSPECTIVE Marc Van de Velde Vice President Centre of Excellence Property Risk Engineering / GAPS NFPA Conference April 2016, Munich - Germany © 2016, XL Catlin companies. All rights reserved. I MAKE YOUR WORLD GO Global Asset Protection Services LLC Objectives Introduction Cells, modules, panels, frames, combustibility System types Fire loss history - Germany Panels, cables, connectors, cable management Loss History – German insurers Firefighter issues Summary © 2016, XL Catlin companies. All rights reserved. I MAKE YOUR WORLD GO Global Asset Protection Services LLC Photovoltaic (PV) installations – Europe JRC Science and Policy Reports = PV Status Report 2014, page 14 http://publications.jrc.ec.europa.eu/repository/bitstream/JRC92477/pv%20status%20report%202014%20online.pdf (Link checked 2016-03-16) © 2016, XL Catlin companies. All rights reserved. I MAKE YOUR WORLD GO Global Asset Protection Services LLC Page 3 PV – panel types Photovoltaic (PV) Crystalline Thin film Concentrator PV systems (CPV) Optical system such as mirrors and lenses to concentrate the light onto high efficiency cells images sources: courtesy of DOE/NREL © 2016, XL Catlin companies. All rights reserved. I MAKE YOUR WORLD GO Global Asset Protection Services LLC Page 4 PV - types Stand-off Courtesy - Dennis Schroeder / NREL Courtesy - DOE/NREL Roof integrated Building integrated Courtesy - DOE/NREL © 2016, XL Catlin companies. All rights reserved. I MAKE YOUR WORLD GO Global Asset Protection Services LLC Page 5 PV – ground mounted Fixed courtesy DOE/NREL – Jamie Keller With tracking Single axis Dual axis Courtesy: Tom Stoffel - NREL Courtesy: Warren Gretz - NREL © 2016, XL Catlin companies. All rights reserved. I MAKE YOUR WORLD GO Global Asset Protection Services LLC Page 6 Solar energy Solar hot water Parabolic trough collector systems Parabolic mirrors concentrate light onto a tube filled with a heat transfer fluid (HTF) solar hot water HTF heats water to steam that drives a turbine that generates electricity images sources: courtesy of DOE/NREL © 2016, XL Catlin companies. All rights reserved. I MAKE YOUR WORLD GO Global Asset Protection Services LLC Page 7 PV - Main system components solar panel array solar panel array cables and connectors junction boxes with fuses, over current protection DC side circuit breaker inverter © 2016, XL Catlin companies. All rights reserved. I MAKE YOUR WORLD GO AC system side to users, public utility, storage system Global Asset Protection Services LLC Page 8 PV - fire losses - Germany Fraunhofer Institute Study 2011-2013 Approx. 420 fire and heat related losses with PV systems involved 48% fires caused by a photovoltaic system component Damage to System Type Involved Fire Cause 10% 6% 22% 28% 35% 1% 31% 11% 37% 51% 18% 15% 35% Roof mounted (Aufdach) Flat roof (Flachdach) Building integrated Component PV system Roof integrated Building Building lost Ground mounted Product defect Planning mistake Installation mistake Outisde influence No split up between industrial and domestic No loss values Charts based on: Schadenprisma 2014/2 (http://www.schadenprisma.de/pdf/sp_2014_2_1.pdf) and Leitfaden PV TUV Fraunhofer 2015 Chapter 3.3 (http://www.pv-brandsicherheit.de/fileadmin/downloads_fe/Leitfaden_Brandrisiko_in_PV-Anlagen_V01.pdf) © 2016, XL Catlin companies. All rights reserved. I MAKE YOUR WORLD GO Global Asset Protection Services LLC Page 9 PV panels – standards Qualification and safety standards EN / IEC 61xxx series Life expectancy of a system is 20 years or more Performance capability under prolonged exposure to standard climates Third party certification is important © 2016, XL Catlin companies. All rights reserved. I MAKE YOUR WORLD GO Global Asset Protection Services LLC Page 10 Rigid PV panel combustibility Testing requirements differ between standards. IEC 61730 – 2: MST-23 - fire test specification to USA – ANSI / UL 790 EN 61730 – 2: MST-23 – Note indicates European fire test is under consideration Offset systems Classification to EN 13501-1: A F Tests showed fire propagation on backside of panel and roof prEN50xxx - External fire exposure to roofs in combination with Photovoltaic arrays – test methods Roof integrated systems Classification to EN 13501-5: Broof (t1) Tests to CEN TS 1187 http://www.pv-brandsicherheit.de/fileadmin/downloads_fe/Leitfaden_Brandrisiko_in_PV-Anlagen_V01.pdf chapter 5.2 © 2016, XL Catlin companies. All rights reserved. I MAKE YOUR WORLD GO Global Asset Protection Services LLC Page 11 DC cabling Cabling standardization long time neglected Older installations may have less suitable cables installed Cables should be: UV and Ozone resistant Weather and moisture resistant, Temperature resistant (minimum +90C better +125C Flame retardant (IEC 60332-1-2) no halogen (EN 50267-2-2) Acid and alkaline resistant (EN 60811-2-1) Not yet an official IEC / EN standard TÜV specification: 2Pfg 1169/08.2007 OR VDE E PV 01:2008-02 OR German DKE/VDE AK 411.2.3 © 2016, XL Catlin companies. All rights reserved. I MAKE YOUR WORLD GO Global Asset Protection Services LLC Page 12 Cable connectors Prefabricated or field assembled UV resistance, moisture ingress, temperature Contact resistance Low plug in, high pull out force; interlocking system Force required to rip connector from cable NO IEC standard at present EN 50521 - Connectors for photovoltaic systems – safety (Germany also as DIN VDE 0126-03) Phoenix Contact - Photovoltaic connectors – Product Overview 2016 – 2017 Catalogue, Page 6 © 2016, XL Catlin companies. All rights reserved. I MAKE YOUR WORLD GO Global Asset Protection Services LLC Page 13 Cable management http://www.nfpa.org/~/media/Files/proceedings/PhotoVoltaicBrooks.pdf , p43 -44 © 2016, XL Catlin companies. All rights reserved. I MAKE YOUR WORLD GO Global Asset Protection Services LLC Page 14 Cable management The installation of PV installations on combustible roofs and or roof coverings is not recommended If installed, cables should not be directly laid on the roof and when larger accumulations occur be installed in noncombustible cable trays or metal conduit offset of the roof. Cabling should be run as much as possible on the outside of buildings Cabling should not run over parapets of fire walls Cables should not be run in the immediate vicinity or over plastic illumination bands / skylights. Special cables or protection might be required where exposed to possible attack by rodents. © 2016, XL Catlin companies. All rights reserved. I MAKE YOUR WORLD GO Global Asset Protection Services LLC Page 15 Loss history – German insurers (2004-2007) Loss cause Number of incidents (%) Damage cost (%) Snow 14 12 Storm 9 25 Hail 2 3 Fire 2 26 Overvoltage 26 14 Theft 2 8 Deliberate 3 1 Miscellaneous 42 11 Damage cost: natural elements: 40% Data Source: GDV Publication Renewable Energies March 2010 (Page 166) http://www.gdv.de/wp-content/uploads/2011/11/Renewable_Energies_2010.pdf (link checked 2016-03-16) © 2016, XL Catlin companies. All rights reserved. I MAKE YOUR WORLD GO Global Asset Protection Services LLC Page 16 Proof of stability (Statics) “PV system” and “building” design PV securing elements adequate for location - wind, snow Ballasted versus secured systems – different challenges Building design – can additional load be supported Roof drainage systems – panels Hail exposure – tests vary by standard © 2016, XL Catlin companies. All rights reserved. I MAKE YOUR WORLD GO Global Asset Protection Services LLC Fire Department Intervention Traditional: fire – fire department arrives – cut off power - intervention Issue with PV: when light – electricity is produced – can be over 1000 V DC Electric shock - Damaged electrical cables or panels Lack of access to roof , walking on roof, slipping, cutting holes Falling glass, panels No / limited Fire Department intervention can mean small loss versus total loss! De-energize up to reduce voltage to a safe level Maximum array sizes – distance between arrays - pathways Discussions between Fire Department and property owner/operator !!! Existing installations – familiarization – intervention plans New Installations – involvement already starting in planning stage © 2016, XL Catlin companies. All rights reserved. I MAKE YOUR WORLD GO Global Asset Protection Services LLC Page 18 Short summary Use the latest codes, standards, guidelines Appears easy to install “Plug and play” mentality Lack of know-how Several disciplines involved Use quality, certified components Use qualified, certified installers Initial acceptance of installation (EN 62466) Service contract / supervision of system Regular maintenance, inspection by qualified personnel Disposal of damaged or end of life panels System statics and roof statics Natural hazards: wind, storm, ice, snow, hail, earthquake, flood, landslide Lightning and surge protection Fire safety issues: roof construction, components, routing of cables … Potential firefighter issues Potential insurance type issues © 2016, XL Catlin companies. All rights reserved. I MAKE YOUR WORLD GO Global Asset Protection Services LLC Page 19 Installation guidelines Many disciplines are involved in a successful installation Lack of comprehensive all covering guidelines in many countries GAPS Guidelines - GAP.2.1.8 – Photovoltaic Systems http://xlcatlin.com/insurance/insurance-coverage/property-risk-engineering/gaps-guidelines FM DS 1-15 – Roof mounted solar photovoltaic panels FM DS 7-106 – Ground mounted solar photovoltaic panels NFPA - Commercial Roof-mounted Photovoltaic System Installation Best Practices Review and All Hazard Assessment http://www.nfpa.org/~/media/files/research/research%20foundation/research%20foundation%20reports/building%20and%20life%20safety/rfcommercialroofmountedphotovoltaicsy steminstallation.pdf VDS 3145 (German): http://vds.de/fileadmin/vds_publikationen/vds_3145_web.pdf Germany: RAL GZ-966 (German) In approx 100 pages are covered components, installation, initial acceptance, service an maintenance http://www.ralsolar.de/download/RAL-GZ_966_Juni_2011.pdf DOE/NREL link: http://images.nrel.gov/ Department of Energy, National Renewable Energy Laboratory © 2016, XL Catlin companies. All rights reserved. I MAKE YOUR WORLD GO Global Asset Protection Services LLC Page 20 THANK YOU Questions? © 2016, XL Catlin companies. All rights reserved. I MAKE YOUR WORLD GO Global Asset Protection Services LLC Page 21 About XL Catlin • XL Catlin is the global brand used by XL Group plc’s insurance and reinsurance companies which provide property, casualty, professional and specialty products to industrial, commercial and professional firms, insurance companies and other enterprises throughout the world. To learn more, visit xlcatlin.com. • The XL Catlin insurance companies offer property, casualty, professional, financial lines and specialty insurance products globally. Businesses that are moving the world forward choose XL Catlin as their partner. To learn more, visit xlcatlin.com. • The XL Catlin reinsurance companies are among the world’s leading reinsurers. They offer products that include aerospace, property, casualty, marine and specialty. The world’s top insurers choose XL Catlin to help move their businesses forward. To learn more, visit xlcatlin.com. • We are the organization clients look to for answers to their most complex risks and to help move their world forward. To learn more, visit xlcatlin.com. © 2016, XL Catlin companies. All rights reserved. I MAKE YOUR WORLD GO Global Asset Protection Services LLC 22