Top Tier — Florida Battery Sales Reference
NSBU (Utilities Commission, City of New Smyrna Beach) · New Smyrna Beach & Southeast Volusia
Sales reference for reps working NSBU territory. This is the deep reference — how to sell it up top, full utility detail below. NSBU (the Utilities Commission, City of New Smyrna Beach) is a municipal utility serving New Smyrna Beach and southeast Volusia County — and it is emphatically NOT a net-metering market. Under NSBU's own Net Billing Rider (effective February 2026), every kilowatt-hour a solar customer exports is credited at 2.8 cents — avoided cost — while every kilowatt-hour they buy costs full retail, around 11 to 12 cents. No monthly netting — exports are credited at avoided cost over the billing cycle, so an export never offsets a retail kWh. NSBU's own materials call it a 66% reduction in reimbursement. That makes this the cleanest spread-capture pitch in our Florida book — and the city is currently paying customers up to $3,000 toward the cure: a battery rebate with no strings on the export rate, running through September 2026 or while funds last. Spread plus rebate plus hurricane country: the battery sells itself here — honestly.
What kind of market this is
NSBU is a fully exposed net-billing market with an active battery rebate — the battery is a spread-capture machine the city helps pay for, a hurricane backup, and a takeover. Five defining facts:
- NSBU is net billing at avoided cost — the full exposure. Under NSBU's Net Billing Rider (Sheet 26.0, effective February 1, 2026), all energy a customer buys is billed at retail and all energy exported is credited at 2.8¢/kWh (the avoided cost on NSBU's own rate sheet) — as it happens, with no monthly retail netting. NSBU's own page calls the move a "66% reduction in reimbursement." Munis set their own rules — Florida's PSC net-metering rule does not bind NSBU.
- The spread is the pitch — and here it's pinned to the penny. Retail runs ~11–12¢ (10.522¢ first 1,000 kWh / 12.336¢ above, plus fuel) vs 2.8¢ for exports — roughly a 9¢ gap on every exported kilowatt-hour. A battery that shifts export to self-consumption captures nearly the whole gap. Honest arithmetic, not a scare story.
- The city is paying toward the cure — right now, no strings. NSBU's battery rebate: $150 per kWh up to $3,000, for batteries ≥8 kWh, running May 1 through September 30, 2026 — or while funds last. And critically, NSBU's rebate does NOT change or forfeit the customer's export rate (unlike Orlando's). It's the rare rebate with no catch — but it's a window, and windows close.
- One open cohort question — handled honestly. NSBU's "66% reduction" wording implies a recent move off a better rate; whether pre-change customers kept a grandfathered rate is being verified. Until confirmed, every NSBU customer gets the exposed-tariff pitch (it's true for new interconnections regardless), and we don't invent a grandfather story either way.
- New Smyrna Beach is a hurricane bullseye. Ian (2022) delivered East-Central Florida's highest recorded gust — 96 mph — and 21 inches of rain here; Milton (2024) brought 99-mph gusts. Grid-tied solar shuts off with the grid.
Your lead is the spread + the rebate window. The tariff arithmetic makes the case (2.8¢ out, ~11–12¢ in), and the $3,000 rebate — no strings, funds-limited, closing September 2026 — gives it a real clock. Hurricane resilience closes.
Default configuration: backup-capable is the strong default — hurricane country — and in this market self-consumption is the economic engine regardless of config.
- Backup-capable: $18,500 cash / $23,942 financed / ~$228/mo
- Self-consumption-only: $17,000 cash / $22,068 financed / ~$210/mo
Confirm pricing, configuration, and rebate fund status in the tool before quoting.
PART A — The Pitch (Problem → Solution → Urgency → Close)
The spine is multiple beats per section: customer headline + statement + rep layer (+ objection where noted). Beats marked (BACKUP ONLY) render only for backup config; beats with Self-consumption:/Backup: branches swap the customer line by config. COHORT beats swap by grandfathered vs post-2023 status.
The Problem
You're paid 2.8 cents and charged four times that — on every kilowatt-hour, as it happens. NSBU credits your exported solar at 2.8 cents per kilowatt-hour — their published avoided cost — while every kilowatt-hour you buy costs eleven to twelve. There's no monthly netting to soften it: the moment your surplus crosses the meter, it's sold at the low rate, and the moment you need power back, you buy at the high one. NSBU's own materials call it a 66% reduction in reimbursement. The gap is your money.
Rep layer: The exposed opener — the spread, pinned to NSBU's own tariff: retail 10.522¢ first 1,000 kWh / 12.336¢ above + COPCA fuel (customer charge $9.50/mo; all-in ~11–12¢ indicative — confirm the fuel factor in the tool) vs 2.800¢ exports (Sheet 8.1). Net billing = avoided-cost credit over the billing cycle, no retail netting (Sheet 26.0 §III verbatim: charged for all energy delivered at the applicable schedule; credited for all energy supplied at avoided cost — an export never offsets a retail kWh). Honest framing: this is the tariff working as written — quote their own "66% reduction" language; it does the work. Objection — "My solar still lowers my bill." It does — and it would lower it three to four times more per surplus kilowatt-hour if that power stayed on your side of the meter.
Your system is orphaned. Whoever installed your solar is likely gone, merged, or unreachable — especially after so many installers folded when the federal tax credit expired at the end of 2025. If something goes wrong, there's no one accountable. You own the system and the risk.
Rep layer: Standard orphaned-system beat. Ask who installed it and whether they'd answer a service call.
Your inverter is on the clock. Your inverter is several years old. When it fails out of warranty, that's about $3,500 to $5,000 out of pocket — and your system produces nothing until it's replaced, typically 4 to 8 weeks.
Rep layer: Standard inverter beat. SolarEdge ~12-yr warranty, real failure 8–15 yrs; Enphase 25-yr, real issues 10–20.
(BACKUP ONLY) When the hurricane comes, your solar shuts off with the grid — and this town takes the hit head-on. Anti-islanding is a safety cutoff: in an outage, your panels produce nothing — even under a clear post-storm sky. Ian put a 96-mile-per-hour gust and twenty-one inches of rain on New Smyrna Beach — East-Central Florida's records for both. A battery keeps your critical systems running, and with sun, it recharges through a multi-day restoration.
Rep layer: Renders ONLY for backup config. NSBU anchors: Ian 2022 — East-Central FL's highest recorded gust (96 mph) AND highest rainfall (21") were recorded here; restoration ran to ~Oct 7. Milton 2024 — 99-mph gusts (peak outage count unpublished — no number). Coastal exposure is the story: this is a barrier-island-adjacent beach town that catches storms head-on.
The Solution
A battery captures the spread — every day, automatically — and the city pays up to $3,000 toward it. Instead of selling your midday surplus at 2.8 cents and buying it back at eleven or twelve, the battery stores it and serves it to your own home at night — worth nearly the full gap on every stored kilowatt-hour. And through September 2026 or while funds last, NSBU's rebate covers $150 per kilowatt-hour of battery, up to $3,000 — with no strings on your export rate.
- Self-consumption: "Your surplus stops selling at wholesale and starts replacing retail — that's the whole machine."
- Backup: "Captures the spread the same way — and keeps your home running when the grid goes down."
Monthly Cost Chart and Net Bill Breakdown render here.
Rep layer: THE core cure beat — this IS a spread play: 2.8¢ exports vs ~11–12¢ retail means stored kWh ≈ ~9¢ captured each. THE REBATE, with its real terms: $150/kWh up to $3,000; battery must be ≥8 kWh (every unit in our catalog qualifies); window May 1 – Sept 30, 2026 OR WHILE FUNDS LAST; per NSBU's own program PDF there is NO export-rate forfeiture attached (unlike OUC's — never confuse them). Confirm fund availability at close; frame as "the city is paying toward this right now" — real, dated, funds-limited. Never quote the rebate as guaranteed after funds questions arise.
(BACKUP ONLY) It keeps your home running when the grid goes down. Powers your essentials — refrigerator, A/C circulation, medical devices, connectivity — through an outage, and with Florida sun, recharges to carry you through a multi-day restoration.
Rep layer: The resilience cure beat. Size expectations honestly (essentials; set A/C expectations honestly in Florida heat).
We take it over. Top Tier becomes the single point of contact for your entire system — a new 10-year workmanship warranty, the 5-year Align Solar Protection contract ($0 deductible, non-transferable), and manufacturer warranty coordination.
Rep layer: Answers the orphaned-system problem. Transfers: workmanship with written consent; Align non-transferable; manufacturer per OEM terms.
Thousands you don't pay. The $11K+ Hidden Costs Avoided bundle — built into the takeover, not sold as extras.
Rep layer: Reframes total cost. "Your payment buys the battery plus warranty plus service plus inverter-replacement coverage — over $11K of value."
And whatever the tariff does next, your stored power is yours. NSBU sets its own solar rules and has already shown it changes them — that 66% reduction happened by commission vote, not by your choice. Power you store and use yourself doesn't depend on any export credit — this one, or whatever comes next.
Rate Justification + Own vs Rent render here.
Rep layer: The independence beat. NSBU's own move off retail is the proof that muni tariffs change; self-consumption is the tariff-proof value. 25-yr scenarios: conservative 4%, moderate 6%, aggressive 8%.
Urgency
The clocks here are real and tariff-dated — press them precisely.
The rebate clock. The $3,000 battery rebate runs through September 30, 2026 — or until the funds run out, whichever comes first. Rebate programs like this are funded in fixed pools; when it's gone, it's gone, and the battery costs the same $3,000 more the next day.
Rep layer: The real, dated NSBU urgency (NSBU program PDF: May 1 – Sept 30, 2026, "or while funds last," $150/kWh ≤ $3,000, battery ≥8 kWh). Confirm fund status at close — if NSBU signals funds running low, that's citable urgency; never invent a "nearly gone" claim without their word.
The spread clock. You're on the exposed tariff today — every sunny day without a battery sells the midday surplus at 2.8 cents and buys it back at four times that. There's no future deadline to wait for; the cost of waiting is running right now.
Rep layer: Honest exposed urgency — the tariff is the deadline, daily. Pair with the rebate clock: the spread justifies the battery; the rebate window says now.
The hurricane clock. Season runs June through November, every year. A battery installed before the next storm is protection; one ordered after landfall is a backorder.
Rep layer: Standard FL storm urgency — factual, preparedness-framed.
The Close
- Verify credit + confirm configuration. Run the credit check and confirm the backup/self-consumption configuration (all catalog batteries clear the rebate's ≥8 kWh bar).
- Confirm rebate fund status with NSBU. Before commitment — the rebate is real but funds-limited; the reservation/application step happens before install per program terms.
- Customer reads and signs the service agreement. Walk through the disclosures honestly — the net-billing tariff as it actually works, the rebate's real terms and window, and that there's no federal credit.
- Complete the Welcome Call. Finalizes the sale and sets expectations for installation.
Standing Rules (Do NOT Violate)
- ❌ NEVER coach reps to disqualify based on home tenure. Resale story is real — not "walk away."
- ❌ NEVER claim "all warranties transfer." Workmanship: with written consent. Align: non-transferable. Manufacturer: per OEM terms.
- ❌ NEVER fabricate inspection findings.
- ❌ NEVER quote a bill-reduction factor as a guarantee.
- ❌ NEVER quote a REP buyback rate as fixed/guaranteed — plan-dependent, confirm the customer's actual plan.
- ❌ 85+ confirmation call required. Customer confirms own finances, no POA, sound mind.
- ❌ Financing ends before age 91. 75 → 15-year max. 80 → 10-year max.
- ❌ Honest cancellation window. Overselling = free customer exit + $1K–$1.5K clawback.
- ❌ Certified before selling.
Go get the sale. A battery is a strong product — clean energy, independence, backup, long-term savings, and in Texas real VPP income. A customer who wants one for any honest reason is a good sale. We never walk away over price or low savings — that's the customer's call. Do right by the customer, protect the company, be honest.
PART B — The Deep Reference
1. Orientation
- Utility: Utilities Commission, City of New Smyrna Beach (NSBU/UCNSB) — a municipal utility. Munis set their own solar rules; the Florida PSC's net-metering rule does not bind NSBU.
- Territory: New Smyrna Beach and southeast Volusia County (confirm the customer's address is NSBU — Volusia also has FPL and Duke territory).
- Market type: FULLY EXPOSED net-billing market (all exports at 2.8¢ avoided cost over the billing cycle — no retail netting, so an export never offsets a retail kWh) + an ACTIVE no-strings battery rebate ($150/kWh ≤ $3,000, through Sept 30, 2026 or while funds last). Spread-capture economics with a city subsidy.
- Default config: backup-capable ($18,500 / $23,942 / ~$228); self-consumption ($17,000 / $22,068 / ~$210).
2. How the NSBU Bill Works
- Energy: 10.522¢/kWh first 1,000 kWh, 12.336¢ above, plus COPCA fuel — all-in roughly 11–12¢ (confirm the current fuel factor in the tool). Customer charge $9.50/mo single-phase.
- Solar exports: credited at 2.800¢/kWh — NSBU's published avoided cost (Sheet 8.1) — as the energy is exported, with no monthly retail netting (Net Billing Rider, Sheet 26.0, effective Feb 1, 2026: all energy delivered is billed at the applicable schedule; all energy supplied is credited at avoided cost).
- The open cohort question: NSBU's "66% reduction" language implies a recent move off a better rate — whether pre-change customers hold any grandfathered rate is being verified. Until confirmed, all customers get the exposed-tariff treatment (accurate for new interconnections regardless), and no grandfather story is told either way.
Why this matters for the pitch: the retail-to-2.8¢ gap IS the battery's paycheck — roughly 9¢ captured per stored kWh, pinned to NSBU's own sheets. And the rebate window gives it a real clock that requires zero embellishment.
3. Solar Exports at NSBU — Fully Exposed Net Billing (and the rebate that pays toward the cure)
NSBU is net billing at avoided cost — every exported kWh earns 2.8¢ while every purchased kWh costs retail. Tariff-verbatim, no netting, no softening. And the city's own battery rebate is live.
- The tariff: Net Billing Rider for Customer-Owned Renewable Generation, Sheet 26.0, effective February 1, 2026 — verbatim: the Commission "will charge the customer for all energy delivered… in accordance with the otherwise applicable rate schedule" and "will credit the customer for all the energy supplied… The credit rate per kWh shall equal the Avoided Cost as shown on Sheet No. 8.1" — which is 2.800¢/kWh.
- What that means: no monthly 1:1 netting. Midday surplus sells at 2.8¢ the moment it crosses the meter; evening purchases cost ~11–12¢. NSBU's own materials describe the change as a "66% reduction in reimbursement."
- The rebate: $150 per kWh of battery capacity, up to $3,000, battery ≥8 kWh, May 1 – September 30, 2026 or while funds last — and per NSBU's own program document, no export-rate forfeiture attached. (Orlando's rebate forfeits the retail rate; NSBU's does not — never confuse the two.)
- The open cohort item: whether pre-change customers hold a grandfathered rate is under verification — no grandfather story is told until it's confirmed.
- The rep move: "NSBU pays 2.8 cents for what you export and charges four times that for what you buy — their own materials call it a 66% reduction. A battery keeps your surplus on your side of the meter at full value — and right now the city pays up to $3,000 toward it, no strings on your rate."
- See the "Net Metering & Grandfathering Status" section for the cited detail; the flag for NSBU is EXPOSED (net billing at avoided cost).
4. Rate Reality + The Spread
| Value | Source | |
|---|---|---|
| Retail energy | 10.522¢ first 1,000 / 12.336¢ above + COPCA fuel (~11–12¢ all-in indicative) | NSBU FY2026 tariff (RS-4) |
| Customer charge | $9.50/mo single-phase | NSBU tariff |
| Exports | 2.800¢/kWh avoided cost — as exported, no retail netting | Net Billing Rider Sheet 26.0 + Sheet 8.1 |
| The spread | ~9¢ per stored kWh (retail minus 2.8¢) | derived from NSBU's own sheets |
| Battery rebate | $150/kWh ≤ $3,000, ≥8 kWh, May 1 – Sept 30 2026 or while funds last — NO export-rate forfeiture | NSBU program PDF (2026-04) |
What drives the NSBU pitch (named, honest):
- The spread. ~11–12¢ retail vs 2.8¢ exports — ~9¢ per stored kWh, pinned to NSBU's own sheets.
- The rebate window. $3,000, no strings, closing September 2026 or at fund exhaustion — a real clock.
- The precedent. NSBU already cut export reimbursement 66% by its own description — self-consumption is the value no commission vote touches.
Documented vs. speculation (say this right):
- ✅ "NSBU pays 2.8 cents for exports and charges retail for purchases — their own materials call it a 66% reduction" (tariff-verbatim + NSBU's own words)
- ✅ "The city's battery rebate is $150 per kilowatt-hour up to $3,000, through September 2026 or while funds last, with no strings on your rate" (program PDF)
- ✅ "We confirm rebate fund availability before you commit" (honest window framing)
- ❌ "The rebate is guaranteed" (funds-limited — confirm at close)
- ❌ Any grandfathered-rate story (unverified — no cohort claims until confirmed)
- ❌ "NSBU will pay you for battery exports" (battery exports earn the same 2.8¢ — exporting from the battery is giving away stored retail value)
5. Incentives & Programs
- NSBU battery rebate — ACTIVE: $150/kWh up to $3,000, battery ≥8 kWh (every catalog unit qualifies), window May 1 – September 30, 2026 or while funds last, and per NSBU's own program document no export-rate forfeiture — the customer keeps whatever export treatment they'd otherwise have. Application per program terms; confirm fund availability at close. This is the best battery incentive at any utility we serve in Florida.
- Federal ITC: expired 12/31/2025. Never quote 30%.
- Florida tax treatment: solar property-tax exclusion and sales-tax exemption are state law; battery-specific treatment — confirm at close, don't promise.
- The value here is the spread + the rebate + resilience + takeover.
6. System Rescue Value — The System Takeover
This applies to any customer with existing solar — and it's identical across every Top Tier market. These are takeover facts, not TX-specific.
The Orphaned Solar Customer Problem. Many Texas solar customers installed during the 2019–2024 growth years and now face:
- An original installer that's gone out of business, been acquired, or stopped servicing residential (especially common after the federal tax credit expired Dec 2025)
- A 10-year workmanship warranty that's unenforceable (installer is gone)
- An inverter approaching or past typical failure windows
- No service relationship, and most companies refuse to service systems they didn't install
The Inverter Failure Reality. Inverters are the weakest link. Panels last 25–30 years; the inverter fails much sooner.
- SolarEdge string inverters: 8–15 years (12-yr standard warranty)
- Enphase microinverters: 10–20 years (25-yr warranty)
- Industry-wide: 70–90% of systems experience inverter failure within the panel lifespan
- When it fails on an orphaned system: production stops, bills jump to full retail, most providers won't quote it, out-of-pocket replacement is $3,500–5,000, and the customer is down 4–8 weeks.
What Top Tier's takeover provides (formalized through a Service Warranty Agreement with a brand-new 10-year Limited Workmanship and Roof Penetration Warranty):
- A new 10-year Top Tier workmanship warranty (regardless of system age)
- Manufacturer warranty claim handling (Top Tier chases the claim + labor, not the customer)
- Inverter replacement coverage when it fails within manufacturer warranty (customer pays nothing for the work)
- Single point of contact; monitoring setup help; performance verification at inspection
The $11K System Takeover Bundle (the exact 5-tile bundle on the proposal):
| Bundled service | Estimated 25-yr cost avoided |
|---|---|
| Align Solar Protection (5-yr, $0 deductible, insurance-backed, non-transferable) | ~$1,500 |
| Manufacturer warranty coordination (OEM claims across 25 yr) | ~$300 |
| Inverter replacement coordination (1–2 replacements at $3–5K each) | ~$6,000 |
| Workmanship warranty on existing PV (10-yr Top Tier coverage) | ~$1,500 |
| Service call coverage (~$500/visit × 4–5 visits) | ~$2,500 |
| Total | ~$11,800 — "Over $11K" |
How to use it: "On top of the bill math, you're picking up over $11K of bundled services that aren't sold separately. If your inverter fails in year 12, the warranty handling alone is worth a few hundred; the replacement coordination saves $3–5K; the Align contract is $1,500 you'd otherwise pay. It adds up."
Align Solar Protection — the terms (get these right):
- 5-year term, $0 deductible, insurance-backed by American Bankers Insurance Company of Florida, non-transferable to subsequent owners.
- Covers: mechanical breakdown of existing PV (panels, inverters/optimizers, racking) — parts, labor, service calls.
- Does NOT cover: the new battery (own warranty), wear-and-tear, weather/hail, pre-existing conditions, roof issues.
- Age limits: panels/microinverters under 15 years; string/central inverters under 7 years. Not every system fully qualifies — disclose at inspection.
- It's ONE of three layers: (1) equipment manufacturer warranties, (2) Top Tier's 10-yr workmanship, (3) the 5-yr Align contract. Never call it "full coverage."
- NEVER say: "Everything's covered" / "never worry again" / "Align is your full coverage" / "you can extend beyond 5 years" / "Align transfers when you sell."
Quantifying the rescue value:
| Component | Estimated Value |
|---|---|
| New 10-year workmanship warranty | $1,500–3,000 |
| Inverter replacement avoided via warranty handling | $3,500–5,000 |
| Probability-weighted warranty-claim value | $2,500–4,000 |
| Performance optimization on existing array | $300–800/year |
| Total expected value over 10–20 years | $4,000–7,500+ |
This is independent of bill savings — the rescue alone can be worth $4,000–7,500.
7. Outage Reality — Hurricane Resilience in NSBU Territory
Why outages happen here. New Smyrna Beach catches Atlantic storms head-on:
- Ian (2022): East-Central Florida's highest recorded gust (96 mph) and highest rainfall (21 inches) were both recorded here; restoration ran to about October 7.
- Milton (2024): 99-mph gusts in town (peak outage count unpublished — no number).
- Coastal beach-town exposure: wind, flood, and salt — and every season is a new draw.
What a battery does — and the honest mechanism. Grid-tied solar shuts off automatically in an outage (anti-islanding). A battery with backup keeps essential loads running and recharges from solar through restoration.
How to pitch it honestly: "A battery covers the days you're dark after the storm — Ian's restoration here ran the better part of a week — and it's earning the spread every ordinary day in between."
8. Hidden Costs Avoided / What You Own vs What You Rent
- What you rent: retail power at ~11–12¢ while your own surplus sells at 2.8¢ — the spread, donated daily as it happens — and nothing when the grid fails.
- What you own (with the battery): your surplus, kept at retail value on your side of the meter, a $3,000 city rebate toward the hardware while the window lasts — plus backup for the storm.
- Hidden costs avoided: the $11K takeover bundle + the donated spread + every restoration's costs — minus the $3,000 the city puts in while funds last.
9. Battery Products
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Backup config (default — hurricane country): Tesla Powerwall 3 (13.5 kWh; Redline: $20,500), FranklinWH aPower 2 (15 kWh; Redline: $20,500). Not compatible with HDM.
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Self-consumption config: Enphase IQ 5P (10 kWh; Redline: $15,500 SC / $17,600 BU), SolarEdge Home Battery (9.7 kWh usable; Redline: $14,500 SC / $16,000 BU), SolarEdge Nexis (self-consumption only pending crew backup training; Redline: $15,500 SC).
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NSBU takeaway: self-consumption IS the economic engine on this tariff — size the battery to soak the midday surplus; every catalog unit clears the rebate's ≥8 kWh bar. Backup remains the value default for a beach town. Confirm config in the tool.
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Financing terms vary by lender — price deals through the proposal tool.
10. Objection Handling
Universal objections (swap in NSBU figures) + NSBU-specific objections.
"Why is my export credit so low? The city sells my own power back to me at four times the price!" (NSBU-specific — channeling the frustration honestly)
"You've read the tariff exactly right — 2.8 cents out, eleven or twelve in, and NSBU's own materials call it a 66% reduction. I'm not going to defend it or pretend it's changing back. What I can do is make it mostly irrelevant: a battery keeps your surplus on your side of the meter, where it's worth full retail to you. The tariff only touches power that leaves your house — so we stop it leaving. And right now the city pays up to $3,000 toward exactly that fix."
"Is the rebate for real? What's the catch?" (NSBU-specific — the no-strings answer with the honest limit)
"It's real — it's NSBU's own program: $150 per kilowatt-hour of battery, up to $3,000, and unlike Orlando's version there's no catch on your export rate — you keep whatever treatment you have. The honest limits: it runs through September 2026 or until the funds run out, whichever comes first, and we confirm fund availability before you sign anything. The catch isn't in the terms — it's in the window."
"Should I wait and see if NSBU improves the export rate?" (NSBU-specific — the direction-of-travel answer)
"The commission just moved the rate the other direction — a 66% cut, by their own description — so waiting is a bet against the recent trend, made while donating the spread every sunny day and while a $3,000 rebate window is open. If the export rate ever improves, your battery loses nothing — stored power at retail value beats any export credit they could plausibly set."
"Why is the loan more than the system price?"
"The cash price is $17,000–18,500 depending on config. Service Finance adds dealer fees bringing the financed amount to about $22,068–23,942. Cash or a HELOC is cheaper if that's an option. The federal credit expired, but NSBU's rebate takes up to $3,000 off if we reserve it while funds last — and the spread does the rest of the work every day after."
11. DO SAY / NEVER SAY
12. Required Disclosures
- ☐ Savings are estimates; NSBU rates and export credits are set by NSBU's Utilities Commission and can change — verify against current tariff figures in the tool.
- ☐ NSBU is a municipal utility not bound by the Florida PSC's net-metering rule; under the Net Billing Rider (eff. Feb 1, 2026), all exports are credited at NSBU's avoided cost (2.8¢/kWh), not retail, with no monthly netting.
- ☐ The NSBU battery rebate ($150/kWh up to $3,000, battery ≥8 kWh) runs May 1 – September 30, 2026 or while funds last; availability is confirmed before commitment and the rebate is not guaranteed. Per NSBU's program document it does not affect the customer's export rate.
- ☐ No grandfathered export rate is represented; treatment of pre-change customers is unverified and no cohort claims are made.
- ☐ No federal ITC after 12/31/2025; no other program income is quoted.
- ☐ Align Solar Protection is non-transferable; workmanship warranty transfer requires written consent; manufacturer warranties transfer per OEM terms. Align coverage is contingent on inspection + age limits (panels <15 yr, inverters <7 yr).
- ☐ Backup duration depends on system sizing and load; whole-home air conditioning through a multi-day outage is not implied.
- ☐ Pricing confirmed in the tool before commitment.
13. Quick-Reference Numbers (dated — confirm before quoting)
- Exports: 2.800¢/kWh avoided cost, as exported, no netting (Sheet 26.0 + Sheet 8.1, eff. 2/1/2026) | Retail: 10.522¢/12.336¢ + COPCA fuel (~11–12¢ indicative — confirm fuel in tool)
- Customer charge: $9.50/mo | The spread: ~9¢ per stored kWh
- Rebate: $150/kWh ≤ $3,000, battery ≥8 kWh, May 1 – Sept 30 2026 OR WHILE FUNDS LAST — no export-rate forfeiture (confirm funds at close)
- NSBU's own words: "66% reduction in reimbursement" — quote it
- Grandfathered cohort: UNVERIFIED — no cohort claims | Federal ITC: expired 12/31/2025
- Inverter replacement out-of-pocket: $3,500–5,000 | Takeover bundle: ~$11,800
- Default config: backup $18,500 / self-consumption $17,000
- Storm anchors: Ian 2022 — 96-mph gust + 21" rain (East-Central FL records, recorded HERE); Milton 2024 — 99-mph gusts (no published count)
14. Sell Hard, Sell Honest — the standing rules
- The spread is arithmetic — sell it as arithmetic. 2.8¢ out, ~11–12¢ in, gap captured by storage. Quote NSBU's own "66% reduction" — their words do the work.
- The rebate window is real urgency — with real limits. Through September 2026 or fund exhaustion; confirm availability at close; never "guaranteed," never confused with Orlando's forfeiture rebate.
- No grandfather stories until the cohort question is verified — telling an unconfirmed story in either direction is how credibility dies.
- Configure to self-consume — exporting stored power gives away retail value at 2.8¢.
- Never quote the federal ITC (expired).