{"version":"1.0.0","segments":[{"speaker":"Hunter Johnson","startTime":50.78,"endTime":53.06,"body":"The short answer"},{"speaker":"Hunter Johnson","startTime":50.78,"endTime":53.06,"body":"is you can buy insurance for for"},{"speaker":"Hunter Johnson","startTime":53.06,"endTime":57.980000000000004,"body":"anything, you got enough money"},{"speaker":"Hunter Johnson","startTime":53.06,"endTime":57.980000000000004,"body":"for it. Yes, we insured of"},{"speaker":"Hunter Johnson","startTime":57.980000000000004,"endTime":62.78,"body":"business interruption or BI"},{"speaker":"Hunter Johnson","startTime":57.980000000000004,"endTime":62.78,"body":"insurance. If there's a, you"},{"speaker":"Hunter Johnson","startTime":62.78,"endTime":66.32,"body":"know, a claim or cover, call"},{"speaker":"Hunter Johnson","startTime":62.78,"endTime":66.32,"body":"them off, you know, hailstorm"},{"speaker":"Hunter Johnson","startTime":66.32,"endTime":71.42,"body":"fire Equipment Breakdown, the"},{"speaker":"Hunter Johnson","startTime":66.32,"endTime":71.42,"body":"insurance companies will start"},{"speaker":"Hunter Johnson","startTime":71.45,"endTime":74.42,"body":"replacing your lost production"},{"speaker":"Hunter Johnson","startTime":71.45,"endTime":74.42,"body":"after a certain period of time,"},{"speaker":"Hunter Johnson","startTime":74.78,"endTime":78.38,"body":"up to typically 12 months for a"},{"speaker":"Hunter Johnson","startTime":74.78,"endTime":78.38,"body":"site."},{"speaker":"intro","startTime":79.52,"endTime":82.4,"body":"Are you speeding the"},{"speaker":"intro","startTime":79.52,"endTime":82.4,"body":"energy transition? Here at the"},{"speaker":"intro","startTime":82.4,"endTime":86.09,"body":"Clean Power Hour, our hosts Tim"},{"speaker":"intro","startTime":82.4,"endTime":86.09,"body":"Montague and John Weaver bring"},{"speaker":"intro","startTime":86.09,"endTime":89.78,"body":"you the best in solar batteries"},{"speaker":"intro","startTime":86.09,"endTime":89.78,"body":"and clean technologies every"},{"speaker":"intro","startTime":89.78,"endTime":93.77000000000001,"body":"week want to go deeper into"},{"speaker":"intro","startTime":89.78,"endTime":93.77000000000001,"body":"decarbonisation? We do too."},{"speaker":"intro","startTime":93.98,"endTime":96.41,"body":"We're here to help you"},{"speaker":"intro","startTime":93.98,"endTime":96.41,"body":"understand and command the"},{"speaker":"intro","startTime":96.41,"endTime":100.13,"body":"commercial, residential and"},{"speaker":"intro","startTime":96.41,"endTime":100.13,"body":"utility, solar, wind and storage"},{"speaker":"intro","startTime":100.13,"endTime":103.91,"body":"industries. So let's get to it"},{"speaker":"intro","startTime":100.13,"endTime":103.91,"body":"together and we can speed the"},{"speaker":"intro","startTime":103.91,"endTime":104.99000000000001,"body":"energy transition."},{"speaker":"Tim Montague","startTime":107.99000000000001,"endTime":110.81,"body":"Today on the Clean"},{"speaker":"Tim Montague","startTime":107.99000000000001,"endTime":110.81,"body":"Power Hour insurance for clean"},{"speaker":"Tim Montague","startTime":110.81,"endTime":113.69,"body":"energy projects, I'm Tim"},{"speaker":"Tim Montague","startTime":110.81,"endTime":113.69,"body":"Montague your hosts check out"},{"speaker":"Tim Montague","startTime":113.69,"endTime":117.74,"body":"all of our content at Clean"},{"speaker":"Tim Montague","startTime":113.69,"endTime":117.74,"body":"Power hour.com. Give us a rating"},{"speaker":"Tim Montague","startTime":117.74,"endTime":121.61,"body":"and review on Apple and Spotify."},{"speaker":"Tim Montague","startTime":117.74,"endTime":121.61,"body":"If you would, that helps others"},{"speaker":"Tim Montague","startTime":121.88,"endTime":124.34,"body":"find this content, please"},{"speaker":"Tim Montague","startTime":121.88,"endTime":124.34,"body":"subscribe to our YouTube"},{"speaker":"Tim Montague","startTime":124.34,"endTime":127.34,"body":"channel. And reach out to me on"},{"speaker":"Tim Montague","startTime":124.34,"endTime":127.34,"body":"LinkedIn. I love hearing from my"},{"speaker":"Tim Montague","startTime":127.34,"endTime":130.64,"body":"listeners. My guest today is"},{"speaker":"Tim Montague","startTime":127.34,"endTime":130.64,"body":"Hunter Johnson. He is the vice"},{"speaker":"Tim Montague","startTime":130.64,"endTime":133.82,"body":"president of Alliant insurance."},{"speaker":"Tim Montague","startTime":130.64,"endTime":133.82,"body":"Welcome to the show."},{"speaker":"Hunter Johnson","startTime":134.57,"endTime":135.29000000000002,"body":"I Sam, thanks"},{"speaker":"Tim Montague","startTime":135.29000000000002,"endTime":138.5,"body":"for having me. As"},{"speaker":"Tim Montague","startTime":135.29000000000002,"endTime":138.5,"body":"I was saying in the pre show, I"},{"speaker":"Tim Montague","startTime":138.5,"endTime":141.8,"body":"know very little about"},{"speaker":"Tim Montague","startTime":138.5,"endTime":141.8,"body":"insurance. But I know that it is"},{"speaker":"Tim Montague","startTime":141.8,"endTime":147.92000000000002,"body":"an important part of clean"},{"speaker":"Tim Montague","startTime":141.8,"endTime":147.92000000000002,"body":"energy assets. And the thing"},{"speaker":"Tim Montague","startTime":147.92000000000002,"endTime":151.67000000000002,"body":"that I'm particularly interested"},{"speaker":"Tim Montague","startTime":147.92000000000002,"endTime":151.67000000000002,"body":"in Hunter is how climate change"},{"speaker":"Tim Montague","startTime":151.67000000000002,"endTime":155.75,"body":"is impacting the insurance"},{"speaker":"Tim Montague","startTime":151.67000000000002,"endTime":155.75,"body":"industry. Because, you know,"},{"speaker":"Tim Montague","startTime":155.75,"endTime":160.19,"body":"even in the solar just in solar"},{"speaker":"Tim Montague","startTime":155.75,"endTime":160.19,"body":"industry, we we are looking at"},{"speaker":"Tim Montague","startTime":160.19,"endTime":164.36,"body":"historical weather models to"},{"speaker":"Tim Montague","startTime":160.19,"endTime":164.36,"body":"predict how a solar farm is"},{"speaker":"Tim Montague","startTime":164.36,"endTime":169.49,"body":"going to perform. But the thing"},{"speaker":"Tim Montague","startTime":164.36,"endTime":169.49,"body":"is, is that the last 10 years"},{"speaker":"Tim Montague","startTime":169.51999999999998,"endTime":174.56,"body":"are very different than the"},{"speaker":"Tim Montague","startTime":169.51999999999998,"endTime":174.56,"body":"previous 100 years. And things"},{"speaker":"Tim Montague","startTime":174.56,"endTime":177.35,"body":"are so things are changing. The"},{"speaker":"Tim Montague","startTime":174.56,"endTime":177.35,"body":"needle is moving, there's more"},{"speaker":"Tim Montague","startTime":177.35,"endTime":181.19,"body":"storms, there's more hail."},{"speaker":"Tim Montague","startTime":177.35,"endTime":181.19,"body":"There's more hot weather, solar"},{"speaker":"Tim Montague","startTime":181.19,"endTime":186.47,"body":"does not like hot weather. And"},{"speaker":"Tim Montague","startTime":181.19,"endTime":186.47,"body":"there's other stuff to fly"},{"speaker":"Tim Montague","startTime":186.5,"endTime":190.46,"body":"fires, floods, droughts, etc."},{"speaker":"Tim Montague","startTime":186.5,"endTime":190.46,"body":"But anyway, tell us a little bit"},{"speaker":"Tim Montague","startTime":190.46,"endTime":195.35,"body":"about yourself, Hunter, how did"},{"speaker":"Tim Montague","startTime":190.46,"endTime":195.35,"body":"you come to insurance and"},{"speaker":"Tim Montague","startTime":195.68,"endTime":199.55,"body":"especially the niche now of"},{"speaker":"Tim Montague","startTime":195.68,"endTime":199.55,"body":"working in clean tech?"},{"speaker":"Hunter Johnson","startTime":200.15,"endTime":204.53,"body":"Yeah. So I'm out"},{"speaker":"Hunter Johnson","startTime":200.15,"endTime":204.53,"body":"of Missouri, I got into"},{"speaker":"Hunter Johnson","startTime":204.53,"endTime":209.12,"body":"insurance about 10 years ago,"},{"speaker":"Hunter Johnson","startTime":204.53,"endTime":209.12,"body":"straight out of college. It was"},{"speaker":"Hunter Johnson","startTime":209.12,"endTime":213.65,"body":"a good fit for me, I'm a big"},{"speaker":"Hunter Johnson","startTime":209.12,"endTime":213.65,"body":"numbers guy, big nerd. But I"},{"speaker":"Hunter Johnson","startTime":213.65,"endTime":216.35,"body":"also love dealing with people"},{"speaker":"Hunter Johnson","startTime":213.65,"endTime":216.35,"body":"and helping to solve problems."},{"speaker":"Hunter Johnson","startTime":216.35,"endTime":221.75,"body":"So just seemed to be a good fit"},{"speaker":"Hunter Johnson","startTime":216.35,"endTime":221.75,"body":"for my personality and for what"},{"speaker":"Hunter Johnson","startTime":221.75,"endTime":226.04,"body":"I like to do. And you know how I"},{"speaker":"Hunter Johnson","startTime":221.75,"endTime":226.04,"body":"like to help people be"},{"speaker":"Hunter Johnson","startTime":226.04,"endTime":230.6,"body":"successful. We've been involved"},{"speaker":"Hunter Johnson","startTime":226.04,"endTime":230.6,"body":"in the solar industry. My team"},{"speaker":"Hunter Johnson","startTime":230.6,"endTime":233.03,"body":"specifically down here in"},{"speaker":"Hunter Johnson","startTime":230.6,"endTime":233.03,"body":"Missouri for about the past five"},{"speaker":"Hunter Johnson","startTime":233.03,"endTime":236.09,"body":"years, got involved on the"},{"speaker":"Hunter Johnson","startTime":233.03,"endTime":236.09,"body":"utility scale side working with"},{"speaker":"Hunter Johnson","startTime":236.81,"endTime":241.34,"body":"asset management, asset"},{"speaker":"Hunter Johnson","startTime":236.81,"endTime":241.34,"body":"managers, namely and out of"},{"speaker":"Hunter Johnson","startTime":241.34,"endTime":244.34,"body":"that, as we've found ourselves"},{"speaker":"Hunter Johnson","startTime":241.34,"endTime":244.34,"body":"working in a variety of"},{"speaker":"Hunter Johnson","startTime":244.34,"endTime":246.26,"body":"different deals across the"},{"speaker":"Hunter Johnson","startTime":244.34,"endTime":246.26,"body":"United States, both on the"},{"speaker":"Hunter Johnson","startTime":246.26,"endTime":251.09,"body":"utility scale, CNI, and"},{"speaker":"Hunter Johnson","startTime":246.26,"endTime":251.09,"body":"residential install installer"},{"speaker":"Hunter Johnson","startTime":251.09,"endTime":254.48,"body":"side. So it's a it's a unique"},{"speaker":"Hunter Johnson","startTime":251.09,"endTime":254.48,"body":"industry, specifically here in"},{"speaker":"Hunter Johnson","startTime":255.38,"endTime":258.35,"body":"Missouri, Arkansas, Illinois, a"},{"speaker":"Hunter Johnson","startTime":255.38,"endTime":258.35,"body":"whole lot different than what"},{"speaker":"Hunter Johnson","startTime":258.35,"endTime":261.65,"body":"you see in California, North"},{"speaker":"Hunter Johnson","startTime":258.35,"endTime":261.65,"body":"Carolina, Florida, as well. So"},{"speaker":"Hunter Johnson","startTime":261.65,"endTime":262.4,"body":"it's been really fun."},{"speaker":"Tim Montague","startTime":264.32,"endTime":266.81,"body":"What are they"},{"speaker":"Tim Montague","startTime":264.32,"endTime":266.81,"body":"major in your mind, the major"},{"speaker":"Tim Montague","startTime":266.81,"endTime":271.31,"body":"considerations that solar"},{"speaker":"Tim Montague","startTime":266.81,"endTime":271.31,"body":"installers, developers and asset"},{"speaker":"Tim Montague","startTime":271.31,"endTime":275.33000000000004,"body":"owners need to be thinking about"},{"speaker":"Tim Montague","startTime":271.31,"endTime":275.33000000000004,"body":"when it comes to ensuring solar"},{"speaker":"Tim Montague","startTime":275.33000000000004,"endTime":280.4,"body":"projects. And this, this has to"},{"speaker":"Tim Montague","startTime":275.33000000000004,"endTime":280.4,"body":"do with their customers, okay,"},{"speaker":"Tim Montague","startTime":280.4,"endTime":285.28999999999996,"body":"the, the residential and CNI"},{"speaker":"Tim Montague","startTime":280.4,"endTime":285.28999999999996,"body":"facility owners who are going to"},{"speaker":"Tim Montague","startTime":285.28999999999996,"endTime":290.06,"body":"be hosting solar facilities, but"},{"speaker":"Tim Montague","startTime":285.28999999999996,"endTime":290.06,"body":"then also the IPPs. We're going"},{"speaker":"Tim Montague","startTime":290.06,"endTime":294.16999999999996,"body":"to be long term asset owners of"},{"speaker":"Tim Montague","startTime":290.06,"endTime":294.16999999999996,"body":"say portfolios of community"},{"speaker":"Tim Montague","startTime":294.16999999999996,"endTime":297.47,"body":"solar, what are the major"},{"speaker":"Tim Montague","startTime":294.16999999999996,"endTime":297.47,"body":"considerations? And then maybe"},{"speaker":"Tim Montague","startTime":297.47,"endTime":302.09000000000003,"body":"we can dig into some of the"},{"speaker":"Tim Montague","startTime":297.47,"endTime":302.09000000000003,"body":"nuances. But I really like to"},{"speaker":"Tim Montague","startTime":302.09000000000003,"endTime":306.83000000000004,"body":"paint a should you just set the"},{"speaker":"Tim Montague","startTime":302.09000000000003,"endTime":306.83000000000004,"body":"table for our audience on what"},{"speaker":"Tim Montague","startTime":306.83000000000004,"endTime":308.24,"body":"are the major considerations?"},{"speaker":"Hunter Johnson","startTime":308.71900000000005,"endTime":311.20899999999995,"body":"Yeah, from a,"},{"speaker":"Hunter Johnson","startTime":308.71900000000005,"endTime":311.20899999999995,"body":"from a risk management insurance"},{"speaker":"Hunter Johnson","startTime":311.95899999999995,"endTime":316.33900000000006,"body":"side of things. There are a lot"},{"speaker":"Hunter Johnson","startTime":311.95899999999995,"endTime":316.33900000000006,"body":"of factors that are, you know,"},{"speaker":"Hunter Johnson","startTime":316.33900000000006,"endTime":319.60900000000004,"body":"somewhat uncontrollable, but"},{"speaker":"Hunter Johnson","startTime":316.33900000000006,"endTime":319.60900000000004,"body":"geography location is probably"},{"speaker":"Hunter Johnson","startTime":319.60900000000004,"endTime":322.129,"body":"the biggest piece right now. And"},{"speaker":"Hunter Johnson","startTime":319.60900000000004,"endTime":322.129,"body":"depending on where you're"},{"speaker":"Hunter Johnson","startTime":322.129,"endTime":326.35900000000004,"body":"located, that you know, someone"},{"speaker":"Hunter Johnson","startTime":322.129,"endTime":326.35900000000004,"body":"out of your hands, but coastal"},{"speaker":"Hunter Johnson","startTime":326.35900000000004,"endTime":331.369,"body":"risks are are inherently going"},{"speaker":"Hunter Johnson","startTime":326.35900000000004,"endTime":331.369,"body":"to sustain more loss than you"},{"speaker":"Hunter Johnson","startTime":331.369,"endTime":335.59900000000005,"body":"would you would see in the"},{"speaker":"Hunter Johnson","startTime":331.369,"endTime":335.59900000000005,"body":"Midwest. So, you know, those are"},{"speaker":"Hunter Johnson","startTime":335.629,"endTime":339.58900000000006,"body":"things to be cognizant of. We're"},{"speaker":"Hunter Johnson","startTime":335.629,"endTime":339.58900000000006,"body":"seeing a lot of construction of"},{"speaker":"Hunter Johnson","startTime":339.58900000000006,"endTime":344.119,"body":"all types, but it's specifically"},{"speaker":"Hunter Johnson","startTime":339.58900000000006,"endTime":344.119,"body":"solar being built and more high,"},{"speaker":"Hunter Johnson","startTime":344.80899999999997,"endTime":348.43899999999996,"body":"catastrophic weather prone areas"},{"speaker":"Hunter Johnson","startTime":344.80899999999997,"endTime":348.43899999999996,"body":"just due to land costs, lease"},{"speaker":"Hunter Johnson","startTime":348.43899999999996,"endTime":353.95899999999995,"body":"costs, and sprawl. You know,"},{"speaker":"Hunter Johnson","startTime":348.43899999999996,"endTime":353.95899999999995,"body":"land is one thing that they're"},{"speaker":"Hunter Johnson","startTime":353.95899999999995,"endTime":357.73900000000003,"body":"not making more of out there,"},{"speaker":"Hunter Johnson","startTime":353.95899999999995,"endTime":357.73900000000003,"body":"and it's harder, harder to come"},{"speaker":"Hunter Johnson","startTime":357.73900000000003,"endTime":361.909,"body":"by. So it's cheaper leases are"},{"speaker":"Hunter Johnson","startTime":357.73900000000003,"endTime":361.909,"body":"going to be in low lying"},{"speaker":"Hunter Johnson","startTime":361.909,"endTime":366.58900000000006,"body":"floodplain areas, and things"},{"speaker":"Hunter Johnson","startTime":361.909,"endTime":366.58900000000006,"body":"like that. So when constructing"},{"speaker":"Hunter Johnson","startTime":366.58900000000006,"endTime":370.30899999999997,"body":"or developing a site, or"},{"speaker":"Hunter Johnson","startTime":366.58900000000006,"endTime":370.30899999999997,"body":"designing a site, it's really"},{"speaker":"Hunter Johnson","startTime":370.30899999999997,"endTime":374.899,"body":"important to understand those"},{"speaker":"Hunter Johnson","startTime":370.30899999999997,"endTime":374.899,"body":"geographic geographic"},{"speaker":"Hunter Johnson","startTime":375.289,"endTime":379.81899999999996,"body":"considerations, and then also"},{"speaker":"Hunter Johnson","startTime":375.289,"endTime":379.81899999999996,"body":"design the site to sustain"},{"speaker":"Hunter Johnson","startTime":380.929,"endTime":385.57899999999995,"body":"direct hail hits, what type of"},{"speaker":"Hunter Johnson","startTime":380.929,"endTime":385.57899999999995,"body":"weather anomalies, you're gonna"},{"speaker":"Hunter Johnson","startTime":385.57899999999995,"endTime":390.409,"body":"see, are you in a wildfire prone"},{"speaker":"Hunter Johnson","startTime":385.57899999999995,"endTime":390.409,"body":"area? Are you in a flood prone"},{"speaker":"Hunter Johnson","startTime":390.409,"endTime":395.539,"body":"area? And then what type of, you"},{"speaker":"Hunter Johnson","startTime":390.409,"endTime":395.539,"body":"know, convective storm?"},{"speaker":"Hunter Johnson","startTime":396.73900000000003,"endTime":400.429,"body":"Frequency Do you see at that"},{"speaker":"Hunter Johnson","startTime":396.73900000000003,"endTime":400.429,"body":"location, so we're seeing, not"},{"speaker":"Hunter Johnson","startTime":400.429,"endTime":405.889,"body":"your traditional claims like,"},{"speaker":"Hunter Johnson","startTime":400.429,"endTime":405.889,"body":"flood, hurricane, hail, causing"},{"speaker":"Hunter Johnson","startTime":405.889,"endTime":410.35900000000004,"body":"a lot of damages, we're also"},{"speaker":"Hunter Johnson","startTime":405.889,"endTime":410.35900000000004,"body":"seeing lightning strikes. Being"},{"speaker":"Hunter Johnson","startTime":410.389,"endTime":414.97900000000004,"body":"a big proponent of interruption,"},{"speaker":"Hunter Johnson","startTime":410.389,"endTime":414.97900000000004,"body":"you know, the losses and"},{"speaker":"Hunter Johnson","startTime":414.97900000000004,"endTime":418.009,"body":"Equipment Breakdown claims that"},{"speaker":"Hunter Johnson","startTime":414.97900000000004,"endTime":418.009,"body":"they were seeing. And that's,"},{"speaker":"Hunter Johnson","startTime":418.93899999999996,"endTime":422.179,"body":"you know, across the Midwest"},{"speaker":"Hunter Johnson","startTime":418.93899999999996,"endTime":422.179,"body":"included, so there are a lot of"},{"speaker":"Hunter Johnson","startTime":422.179,"endTime":424.399,"body":"different things to consider"},{"speaker":"Hunter Johnson","startTime":422.179,"endTime":424.399,"body":"when building a site right now."},{"speaker":"Tim Montague","startTime":425.17999999999995,"endTime":426.77,"body":"I mean, I think"},{"speaker":"Tim Montague","startTime":425.17999999999995,"endTime":426.77,"body":"it's a given that people are"},{"speaker":"Tim Montague","startTime":426.77,"endTime":430.46000000000004,"body":"avoiding roelens, even though"},{"speaker":"Tim Montague","startTime":426.77,"endTime":430.46000000000004,"body":"the rents are cheaper and"},{"speaker":"Tim Montague","startTime":430.46000000000004,"endTime":437.63,"body":"loions. The you know, developers"},{"speaker":"Tim Montague","startTime":430.46000000000004,"endTime":437.63,"body":"know that you don't want risk of"},{"speaker":"Tim Montague","startTime":437.63,"endTime":441.28999999999996,"body":"flood and and it makes it"},{"speaker":"Tim Montague","startTime":437.63,"endTime":441.28999999999996,"body":"difficult to finance a project."},{"speaker":"Tim Montague","startTime":441.65,"endTime":448.34000000000003,"body":"But but there are so many things"},{"speaker":"Tim Montague","startTime":441.65,"endTime":448.34000000000003,"body":"that we can't control like hail,"},{"speaker":"Tim Montague","startTime":448.37,"endTime":454.22,"body":"lightning, tornadoes, here in"},{"speaker":"Tim Montague","startTime":448.37,"endTime":454.22,"body":"the Midwest, where we luckily,"},{"speaker":"Tim Montague","startTime":454.22,"endTime":458.15,"body":"wildfire is not a major concern"},{"speaker":"Tim Montague","startTime":454.22,"endTime":458.15,"body":"for us here in the Midwest. But,"},{"speaker":"Tim Montague","startTime":459.14,"endTime":463.03999999999996,"body":"of course, that's a concern out"},{"speaker":"Tim Montague","startTime":459.14,"endTime":463.03999999999996,"body":"west. And, and I've heard of,"},{"speaker":"Tim Montague","startTime":464.99,"endTime":468.67999999999995,"body":"well, solar arrays do catch"},{"speaker":"Tim Montague","startTime":464.99,"endTime":468.67999999999995,"body":"fire, it's hard to believe, but"},{"speaker":"Tim Montague","startTime":468.67999999999995,"endTime":473.45000000000005,"body":"solar arrays do catch fire. And,"},{"speaker":"Tim Montague","startTime":468.67999999999995,"endTime":473.45000000000005,"body":"and solar panels will burn if"},{"speaker":"Tim Montague","startTime":473.45000000000005,"endTime":479.09000000000003,"body":"they get hot enough. But but the"},{"speaker":"Tim Montague","startTime":473.45000000000005,"endTime":479.09000000000003,"body":"things that I notice in the in"},{"speaker":"Tim Montague","startTime":479.09000000000003,"endTime":483.16999999999996,"body":"the solar trade magazines, you"},{"speaker":"Tim Montague","startTime":479.09000000000003,"endTime":483.16999999999996,"body":"know, in the solar news is is"},{"speaker":"Tim Montague","startTime":483.16999999999996,"endTime":487.22,"body":"for sure hail. And, you know,"},{"speaker":"Tim Montague","startTime":483.16999999999996,"endTime":487.22,"body":"everybody asked that question,"},{"speaker":"Tim Montague","startTime":487.58000000000004,"endTime":491.41999999999996,"body":"when they're considering solar"},{"speaker":"Tim Montague","startTime":487.58000000000004,"endTime":491.41999999999996,"body":"Does, does it withstand hail?"},{"speaker":"Tim Montague","startTime":491.45000000000005,"endTime":495.35,"body":"And the answer is yes, to a"},{"speaker":"Tim Montague","startTime":491.45000000000005,"endTime":495.35,"body":"limit. And you know, they're"},{"speaker":"Tim Montague","startTime":495.35,"endTime":501.16999999999996,"body":"tested basically to one inch"},{"speaker":"Tim Montague","startTime":495.35,"endTime":501.16999999999996,"body":"hail, well, you can have, you"},{"speaker":"Tim Montague","startTime":501.16999999999996,"endTime":505.54999999999995,"body":"know, baseball sized hail, and"},{"speaker":"Tim Montague","startTime":501.16999999999996,"endTime":505.54999999999995,"body":"that's going to destroy your"},{"speaker":"Tim Montague","startTime":505.54999999999995,"endTime":511.37,"body":"solar. And those events are"},{"speaker":"Tim Montague","startTime":505.54999999999995,"endTime":511.37,"body":"changing, my understanding is"},{"speaker":"Tim Montague","startTime":513.05,"endTime":518.51,"body":"that those events are becoming"},{"speaker":"Tim Montague","startTime":513.05,"endTime":518.51,"body":"more frequent. And, you know,"},{"speaker":"Tim Montague","startTime":518.51,"endTime":522.68,"body":"you really, I mean, there are"},{"speaker":"Tim Montague","startTime":518.51,"endTime":522.68,"body":"some, there are some emerging"},{"speaker":"Tim Montague","startTime":522.68,"endTime":527.21,"body":"products to help control. You"},{"speaker":"Tim Montague","startTime":522.68,"endTime":527.21,"body":"know, the tracker manufacturers"},{"speaker":"Tim Montague","startTime":527.21,"endTime":531.62,"body":"are thinking about this, and is"},{"speaker":"Tim Montague","startTime":527.21,"endTime":531.62,"body":"there a specific way that it"},{"speaker":"Tim Montague","startTime":531.62,"endTime":536.81,"body":"can, you know, go into a hail"},{"speaker":"Tim Montague","startTime":531.62,"endTime":536.81,"body":"stow facing away from the wind,"},{"speaker":"Tim Montague","startTime":536.81,"endTime":541.37,"body":"perhaps to avoid the direct hits"},{"speaker":"Tim Montague","startTime":536.81,"endTime":541.37,"body":"and that kind of thing. But is"},{"speaker":"Tim Montague","startTime":541.37,"endTime":546.83,"body":"there other things that, that we"},{"speaker":"Tim Montague","startTime":541.37,"endTime":546.83,"body":"energy professionals just aren't"},{"speaker":"Tim Montague","startTime":546.83,"endTime":551.57,"body":"thinking enough about when it"},{"speaker":"Tim Montague","startTime":546.83,"endTime":551.57,"body":"comes to technology to avoid or"},{"speaker":"Tim Montague","startTime":551.57,"endTime":556.01,"body":"reduce the risk of catastrophic"},{"speaker":"Tim Montague","startTime":551.57,"endTime":556.01,"body":"weather events?"},{"speaker":"Hunter Johnson","startTime":556.85,"endTime":561.05,"body":"I wouldn't say"},{"speaker":"Hunter Johnson","startTime":556.85,"endTime":561.05,"body":"there's stuff that is not being"},{"speaker":"Hunter Johnson","startTime":561.08,"endTime":565.28,"body":"thought about, you know, there's"},{"speaker":"Hunter Johnson","startTime":561.08,"endTime":565.28,"body":"certainly a lot of research and"},{"speaker":"Hunter Johnson","startTime":565.28,"endTime":568.88,"body":"advancements happening, you"},{"speaker":"Hunter Johnson","startTime":565.28,"endTime":568.88,"body":"know, in the productions of"},{"speaker":"Hunter Johnson","startTime":568.88,"endTime":572.87,"body":"these modules, and also, you"},{"speaker":"Hunter Johnson","startTime":568.88,"endTime":572.87,"body":"know, research on most"},{"speaker":"Hunter Johnson","startTime":572.87,"endTime":576.8299999999999,"body":"efficient, so angles, stuff like"},{"speaker":"Hunter Johnson","startTime":572.87,"endTime":576.8299999999999,"body":"that. But inherently, the more"},{"speaker":"Hunter Johnson","startTime":576.8299999999999,"endTime":580.43,"body":"technology that you put into"},{"speaker":"Hunter Johnson","startTime":576.8299999999999,"endTime":580.43,"body":"the, to the site to avoid"},{"speaker":"Hunter Johnson","startTime":580.4599999999999,"endTime":583.88,"body":"losses, those are going to be"},{"speaker":"Hunter Johnson","startTime":580.4599999999999,"endTime":583.88,"body":"more expensive to construct as"},{"speaker":"Hunter Johnson","startTime":583.88,"endTime":587.75,"body":"well. So there's that fine line"},{"speaker":"Hunter Johnson","startTime":583.88,"endTime":587.75,"body":"of the project still central"},{"speaker":"Hunter Johnson","startTime":587.75,"endTime":593.75,"body":"with the, with these, you know,"},{"speaker":"Hunter Johnson","startTime":587.75,"endTime":593.75,"body":"different racking that we're"},{"speaker":"Hunter Johnson","startTime":593.75,"endTime":596.63,"body":"installing and different"},{"speaker":"Hunter Johnson","startTime":593.75,"endTime":596.63,"body":"technology, more expensive"},{"speaker":"Hunter Johnson","startTime":596.63,"endTime":601.97,"body":"panels that we're putting into"},{"speaker":"Hunter Johnson","startTime":596.63,"endTime":601.97,"body":"resist the likely or possible"},{"speaker":"Hunter Johnson","startTime":602.93,"endTime":606.3199999999999,"body":"hailstorm. Does that, does that"},{"speaker":"Hunter Johnson","startTime":602.93,"endTime":606.3199999999999,"body":"work? So there's always that"},{"speaker":"Hunter Johnson","startTime":606.35,"endTime":610.76,"body":"that cost benefit analysis that"},{"speaker":"Hunter Johnson","startTime":606.35,"endTime":610.76,"body":"needs to be done. But there's a"},{"speaker":"Hunter Johnson","startTime":610.76,"endTime":613.25,"body":"lot being done. And I think"},{"speaker":"Hunter Johnson","startTime":610.76,"endTime":613.25,"body":"these panels are getting more"},{"speaker":"Hunter Johnson","startTime":613.25,"endTime":619.37,"body":"resistant over time, they're"},{"speaker":"Hunter Johnson","startTime":613.25,"endTime":619.37,"body":"better quality manufactured, and"},{"speaker":"Hunter Johnson","startTime":619.37,"endTime":621.7099999999999,"body":"they're also getting cheaper as"},{"speaker":"Hunter Johnson","startTime":619.37,"endTime":621.7099999999999,"body":"well, which is helpful. But"},{"speaker":"Hunter Johnson","startTime":622.1,"endTime":626.36,"body":"there's kale is one of those"},{"speaker":"Hunter Johnson","startTime":622.1,"endTime":626.36,"body":"things that you will be around"},{"speaker":"Hunter Johnson","startTime":626.39,"endTime":629.3,"body":"and it's just something that"},{"speaker":"Hunter Johnson","startTime":626.39,"endTime":629.3,"body":"we're having by schooling"},{"speaker":"Hunter Johnson","startTime":629.3,"endTime":629.8399999999999,"body":"insurance."},{"speaker":"Tim Montague","startTime":631.4599999999999,"endTime":634.67,"body":"So is there is"},{"speaker":"Tim Montague","startTime":631.4599999999999,"endTime":634.67,"body":"there a pie graph or something"},{"speaker":"Tim Montague","startTime":634.67,"endTime":641.4499999999999,"body":"though, that explains here are"},{"speaker":"Tim Montague","startTime":634.67,"endTime":641.4499999999999,"body":"the the major risk factors for a"},{"speaker":"Tim Montague","startTime":641.4499999999999,"endTime":647.99,"body":"solar farm in Missouri, and you"},{"speaker":"Tim Montague","startTime":641.4499999999999,"endTime":647.99,"body":"can say, oh, yeah, you know, 20%"},{"speaker":"Tim Montague","startTime":647.99,"endTime":652.85,"body":"is going to hail 20% too. high"},{"speaker":"Tim Montague","startTime":647.99,"endTime":652.85,"body":"wind."},{"speaker":"Hunter Johnson","startTime":652.97,"endTime":655.97,"body":"Yeah, there is,"},{"speaker":"Hunter Johnson","startTime":652.97,"endTime":655.97,"body":"in Surprisingly, a lot of it's"},{"speaker":"Hunter Johnson","startTime":655.97,"endTime":658.5799999999999,"body":"just Equipment Breakdown. And"},{"speaker":"Hunter Johnson","startTime":655.97,"endTime":658.5799999999999,"body":"it's maintenance of your site."},{"speaker":"Hunter Johnson","startTime":658.61,"endTime":661.85,"body":"And it's how well you're"},{"speaker":"Hunter Johnson","startTime":658.61,"endTime":661.85,"body":"managing your site, from, you"},{"speaker":"Hunter Johnson","startTime":661.85,"endTime":664.79,"body":"know, replacement parts"},{"speaker":"Hunter Johnson","startTime":661.85,"endTime":664.79,"body":"components, your vegetation"},{"speaker":"Hunter Johnson","startTime":664.79,"endTime":667.64,"body":"management, you know, I had,"},{"speaker":"Hunter Johnson","startTime":664.79,"endTime":667.64,"body":"I've had a couple of claims"},{"speaker":"Hunter Johnson","startTime":667.64,"endTime":671.6,"body":"where we had critters getting to"},{"speaker":"Hunter Johnson","startTime":667.64,"endTime":671.6,"body":"come components that are tuned"},{"speaker":"Hunter Johnson","startTime":671.6,"endTime":677.66,"body":"up wires are crawling into in"},{"speaker":"Hunter Johnson","startTime":671.6,"endTime":677.66,"body":"boxes and creating fires, my"},{"speaker":"Hunter Johnson","startTime":677.66,"endTime":681.14,"body":"head of rattlesnake, burn up"},{"speaker":"Hunter Johnson","startTime":677.66,"endTime":681.14,"body":"several inverters and a couple"},{"speaker":"Hunter Johnson","startTime":681.14,"endTime":684.02,"body":"of strings of panels. I mean,"},{"speaker":"Hunter Johnson","startTime":681.14,"endTime":684.02,"body":"it's, it's crazy the types of"},{"speaker":"Hunter Johnson","startTime":684.02,"endTime":687.62,"body":"claims that we see managing"},{"speaker":"Hunter Johnson","startTime":684.02,"endTime":687.62,"body":"these, but the pricing of the"},{"speaker":"Hunter Johnson","startTime":687.62,"endTime":690.89,"body":"more frequent claims are going"},{"speaker":"Hunter Johnson","startTime":687.62,"endTime":690.89,"body":"to be more Equipment Breakdown"},{"speaker":"Hunter Johnson","startTime":690.89,"endTime":695.0899999999999,"body":"and losses that could be"},{"speaker":"Hunter Johnson","startTime":690.89,"endTime":695.0899999999999,"body":"minimized if there was better"},{"speaker":"Hunter Johnson","startTime":695.0899999999999,"endTime":699.41,"body":"procedures from the lnM. And the"},{"speaker":"Hunter Johnson","startTime":695.0899999999999,"endTime":699.41,"body":"asset management standpoint on"},{"speaker":"Hunter Johnson","startTime":699.7099999999999,"endTime":703.5799999999999,"body":"replacing these damaged"},{"speaker":"Hunter Johnson","startTime":699.7099999999999,"endTime":703.5799999999999,"body":"components or having access to"},{"speaker":"Hunter Johnson","startTime":704.39,"endTime":706.73,"body":"price replacement parts to get"},{"speaker":"Hunter Johnson","startTime":704.39,"endTime":706.73,"body":"these things up and running"},{"speaker":"Hunter Johnson","startTime":706.73,"endTime":707.18,"body":"sooner."},{"speaker":"Tim Montague","startTime":707.3299999999999,"endTime":709.97,"body":"So is that"},{"speaker":"Tim Montague","startTime":707.3299999999999,"endTime":709.97,"body":"something that an asset owner"},{"speaker":"Tim Montague","startTime":709.97,"endTime":716.51,"body":"can can, for example, create a"},{"speaker":"Tim Montague","startTime":709.97,"endTime":716.51,"body":"very rigorous Oh, nm program and"},{"speaker":"Tim Montague","startTime":716.51,"endTime":719.87,"body":"thereby reduce their rates?"},{"speaker":"Tim Montague","startTime":716.51,"endTime":719.87,"body":"Because they have, you know,"},{"speaker":"Tim Montague","startTime":719.87,"endTime":723.29,"body":"built in that they're going to"},{"speaker":"Tim Montague","startTime":719.87,"endTime":723.29,"body":"do a physical site visit every"},{"speaker":"Tim Montague","startTime":723.29,"endTime":724.79,"body":"six months or something like"},{"speaker":"Tim Montague","startTime":723.29,"endTime":724.79,"body":"that?"},{"speaker":"Hunter Johnson","startTime":725.48,"endTime":729.1999999999999,"body":"100%? Yes, five,"},{"speaker":"Hunter Johnson","startTime":725.48,"endTime":729.1999999999999,"body":"six years ago, the underwriting"},{"speaker":"Hunter Johnson","startTime":729.1999999999999,"endTime":733.85,"body":"process of underwriting one of"},{"speaker":"Hunter Johnson","startTime":729.1999999999999,"endTime":733.85,"body":"these sites or facilities was"},{"speaker":"Hunter Johnson","startTime":734.2099999999999,"endTime":737.0,"body":"totally different than it is"},{"speaker":"Hunter Johnson","startTime":734.2099999999999,"endTime":737.0,"body":"today, historically, we'd look"},{"speaker":"Hunter Johnson","startTime":737.0,"endTime":742.01,"body":"at, you know, where's the site"},{"speaker":"Hunter Johnson","startTime":737.0,"endTime":742.01,"body":"located? How large is it? You"},{"speaker":"Hunter Johnson","startTime":742.01,"endTime":744.1999999999999,"body":"know, who built it, you know,"},{"speaker":"Hunter Johnson","startTime":742.01,"endTime":744.1999999999999,"body":"things like that. Now, we're"},{"speaker":"Hunter Johnson","startTime":744.1999999999999,"endTime":748.85,"body":"getting down to, you know, who"},{"speaker":"Hunter Johnson","startTime":744.1999999999999,"endTime":748.85,"body":"the OEM of the panel design and"},{"speaker":"Hunter Johnson","startTime":749.06,"endTime":753.74,"body":"the racking, who's the inverter"},{"speaker":"Hunter Johnson","startTime":749.06,"endTime":753.74,"body":"manufacturer, you know, we're"},{"speaker":"Hunter Johnson","startTime":753.74,"endTime":757.64,"body":"looking at the direction that"},{"speaker":"Hunter Johnson","startTime":753.74,"endTime":757.64,"body":"these things are facing. You"},{"speaker":"Hunter Johnson","startTime":757.64,"endTime":759.98,"body":"know, we're looking at"},{"speaker":"Hunter Johnson","startTime":757.64,"endTime":759.98,"body":"elevation, all sorts of"},{"speaker":"Hunter Johnson","startTime":759.98,"endTime":762.47,"body":"different underwriting"},{"speaker":"Hunter Johnson","startTime":759.98,"endTime":762.47,"body":"components that are going in,"},{"speaker":"Hunter Johnson","startTime":763.37,"endTime":766.4,"body":"you know, how far away is the"},{"speaker":"Hunter Johnson","startTime":763.37,"endTime":766.4,"body":"sense from, from the edge of the"},{"speaker":"Hunter Johnson","startTime":766.43,"endTime":769.55,"body":"the modules? What are their"},{"speaker":"Hunter Johnson","startTime":766.43,"endTime":769.55,"body":"vegetation management plan look"},{"speaker":"Hunter Johnson","startTime":769.55,"endTime":773.99,"body":"like? Do we have replacement"},{"speaker":"Hunter Johnson","startTime":769.55,"endTime":773.99,"body":"parts, you know, all sorts of"},{"speaker":"Hunter Johnson","startTime":773.99,"endTime":776.9,"body":"things that are to be expected"},{"speaker":"Hunter Johnson","startTime":773.99,"endTime":776.9,"body":"now during the underwriting"},{"speaker":"Hunter Johnson","startTime":776.9,"endTime":779.81,"body":"process that historically"},{"speaker":"Hunter Johnson","startTime":776.9,"endTime":779.81,"body":"weren't. And so you can really"},{"speaker":"Hunter Johnson","startTime":779.81,"endTime":785.06,"body":"see a different tier of manager"},{"speaker":"Hunter Johnson","startTime":779.81,"endTime":785.06,"body":"that has answers quality answers"},{"speaker":"Hunter Johnson","startTime":785.06,"endTime":790.91,"body":"to these can produce, you know,"},{"speaker":"Hunter Johnson","startTime":785.06,"endTime":790.91,"body":"site plans, emergency response"},{"speaker":"Hunter Johnson","startTime":790.91,"endTime":794.18,"body":"plans, has lists of all"},{"speaker":"Hunter Johnson","startTime":790.91,"endTime":794.18,"body":"replacement parts, have things"},{"speaker":"Hunter Johnson","startTime":794.18,"endTime":796.88,"body":"in stock, you know, all sorts of"},{"speaker":"Hunter Johnson","startTime":794.18,"endTime":796.88,"body":"things like that, that helps"},{"speaker":"Hunter Johnson","startTime":796.88,"endTime":801.9499999999999,"body":"minimize the amount of downtime"},{"speaker":"Hunter Johnson","startTime":796.88,"endTime":801.9499999999999,"body":"that you're seeing as a result"},{"speaker":"Hunter Johnson","startTime":801.9499999999999,"endTime":802.49,"body":"of a claim."},{"speaker":"Tim Montague","startTime":803.5699999999999,"endTime":807.41,"body":"And I'm going to"},{"speaker":"Tim Montague","startTime":803.5699999999999,"endTime":807.41,"body":"ask a bunch of relatively stupid"},{"speaker":"Tim Montague","startTime":807.41,"endTime":811.52,"body":"questions, you'll have to"},{"speaker":"Tim Montague","startTime":807.41,"endTime":811.52,"body":"forgive me. But can can if"},{"speaker":"Tim Montague","startTime":811.52,"endTime":814.16,"body":"you're an asset owner, you know,"},{"speaker":"Tim Montague","startTime":811.52,"endTime":814.16,"body":"you're banking on a certain"},{"speaker":"Tim Montague","startTime":865.8499999999999,"endTime":869.3,"body":"amount of productivity from a"},{"speaker":"Tim Montague","startTime":865.8499999999999,"endTime":869.3,"body":"site, right? You want you want"},{"speaker":"Tim Montague","startTime":869.3599999999999,"endTime":875.51,"body":"you want the model the financial"},{"speaker":"Tim Montague","startTime":869.3599999999999,"endTime":875.51,"body":"model, to to be met by reality,"},{"speaker":"Tim Montague","startTime":875.96,"endTime":879.9200000000001,"body":"right? You want the solar farm"},{"speaker":"Tim Montague","startTime":875.96,"endTime":879.9200000000001,"body":"to produce as many kWh or"},{"speaker":"Tim Montague","startTime":879.9200000000001,"endTime":883.97,"body":"megawatt hours of electricity,"},{"speaker":"Tim Montague","startTime":879.9200000000001,"endTime":883.97,"body":"as you predicted. So that the"},{"speaker":"Tim Montague","startTime":883.97,"endTime":888.8,"body":"project is financially viable,"},{"speaker":"Tim Montague","startTime":883.97,"endTime":888.8,"body":"right? And obviously, if things"},{"speaker":"Tim Montague","startTime":888.8,"endTime":892.01,"body":"are breaking, whether that's"},{"speaker":"Tim Montague","startTime":888.8,"endTime":892.01,"body":"panels or inverters, or even"},{"speaker":"Tim Montague","startTime":892.01,"endTime":894.95,"body":"racking, right, the tracker can"},{"speaker":"Tim Montague","startTime":892.01,"endTime":894.95,"body":"break and, and you're not"},{"speaker":"Tim Montague","startTime":894.95,"endTime":899.8399999999999,"body":"getting as much production out"},{"speaker":"Tim Montague","startTime":894.95,"endTime":899.8399999999999,"body":"of it. But can you ensure that"},{"speaker":"Tim Montague","startTime":900.0799999999999,"endTime":908.75,"body":"production? And? Because yeah,"},{"speaker":"Tim Montague","startTime":900.0799999999999,"endTime":908.75,"body":"I'm just curious, what exactly"},{"speaker":"Tim Montague","startTime":908.75,"endTime":912.47,"body":"can be insured about a, let's"},{"speaker":"Tim Montague","startTime":908.75,"endTime":912.47,"body":"say, a community solar, you"},{"speaker":"Tim Montague","startTime":912.47,"endTime":914.3599999999999,"body":"know, a one to five megawatt"},{"speaker":"Tim Montague","startTime":912.47,"endTime":914.3599999999999,"body":"solar farm?"},{"speaker":"Hunter Johnson","startTime":915.8,"endTime":917.3899999999999,"body":"Well, yeah,"},{"speaker":"Hunter Johnson","startTime":915.8,"endTime":917.3899999999999,"body":"well, short answer is you can"},{"speaker":"Hunter Johnson","startTime":917.3899999999999,"endTime":920.3,"body":"buy insurance for for anything,"},{"speaker":"Hunter Johnson","startTime":917.3899999999999,"endTime":920.3,"body":"do you got enough money for it?"},{"speaker":"Hunter Johnson","startTime":921.8299999999999,"endTime":925.73,"body":"Yes, we insure it's called"},{"speaker":"Hunter Johnson","startTime":921.8299999999999,"endTime":925.73,"body":"business interruption, or BI"},{"speaker":"Hunter Johnson","startTime":925.8199999999999,"endTime":929.5999999999999,"body":"insurance. If there's a, you"},{"speaker":"Hunter Johnson","startTime":925.8199999999999,"endTime":929.5999999999999,"body":"know, a claim or cover, call the"},{"speaker":"Hunter Johnson","startTime":929.5999999999999,"endTime":934.49,"body":"law, you know, hailstorm fire,"},{"speaker":"Hunter Johnson","startTime":929.5999999999999,"endTime":934.49,"body":"you know, Equipment Breakdown,"},{"speaker":"Hunter Johnson","startTime":934.79,"endTime":937.94,"body":"the insurance companies will"},{"speaker":"Hunter Johnson","startTime":934.79,"endTime":937.94,"body":"start replacing your last"},{"speaker":"Hunter Johnson","startTime":937.94,"endTime":941.24,"body":"production after a certain"},{"speaker":"Hunter Johnson","startTime":937.94,"endTime":941.24,"body":"period of time, up to typically"},{"speaker":"Hunter Johnson","startTime":941.24,"endTime":948.26,"body":"12 months for a site. And so"},{"speaker":"Hunter Johnson","startTime":941.24,"endTime":948.26,"body":"what's developed over the, in"},{"speaker":"Hunter Johnson","startTime":948.26,"endTime":950.78,"body":"the recent years is that"},{"speaker":"Hunter Johnson","startTime":948.26,"endTime":950.78,"body":"duration of time, you know,"},{"speaker":"Hunter Johnson","startTime":950.78,"endTime":953.9300000000001,"body":"think of your deductible, that"},{"speaker":"Hunter Johnson","startTime":950.78,"endTime":953.9300000000001,"body":"they start replacing your last"},{"speaker":"Hunter Johnson","startTime":953.9300000000001,"endTime":957.8599999999999,"body":"production has gone from, you"},{"speaker":"Hunter Johnson","startTime":953.9300000000001,"endTime":957.8599999999999,"body":"know, we used to be able to have"},{"speaker":"Hunter Johnson","startTime":957.8599999999999,"endTime":961.19,"body":"three day waiting periods, and"},{"speaker":"Hunter Johnson","startTime":957.8599999999999,"endTime":961.19,"body":"it went to 15 days, and it was a"},{"speaker":"Hunter Johnson","startTime":961.19,"endTime":965.48,"body":"30 day, it's not uncommon to see"},{"speaker":"Hunter Johnson","startTime":961.19,"endTime":965.48,"body":"a 45 day waiting period or a 90"},{"speaker":"Hunter Johnson","startTime":965.48,"endTime":969.1399999999999,"body":"day waiting period on specific"},{"speaker":"Hunter Johnson","startTime":965.48,"endTime":969.1399999999999,"body":"locations, which means the"},{"speaker":"Hunter Johnson","startTime":969.1399999999999,"endTime":971.5699999999999,"body":"insurance company won't start"},{"speaker":"Hunter Johnson","startTime":969.1399999999999,"endTime":971.5699999999999,"body":"paying for your loss production"},{"speaker":"Hunter Johnson","startTime":971.5699999999999,"endTime":975.47,"body":"until, you know, your site's"},{"speaker":"Hunter Johnson","startTime":971.5699999999999,"endTime":975.47,"body":"been down for 30 days, 45 days,"},{"speaker":"Hunter Johnson","startTime":975.47,"endTime":980.27,"body":"90 days. So, these financial"},{"speaker":"Hunter Johnson","startTime":975.47,"endTime":980.27,"body":"models that a lot of these sites"},{"speaker":"Hunter Johnson","startTime":980.27,"endTime":987.1399999999999,"body":"were sold on, have not been"},{"speaker":"Hunter Johnson","startTime":980.27,"endTime":987.1399999999999,"body":"accurate, and you kind of hit"},{"speaker":"Hunter Johnson","startTime":987.1399999999999,"endTime":989.3299999999999,"body":"the nail on the head. A lot of"},{"speaker":"Hunter Johnson","startTime":987.1399999999999,"endTime":989.3299999999999,"body":"these sites aren't as productive"},{"speaker":"Hunter Johnson","startTime":989.3299999999999,"endTime":994.4300000000001,"body":"or not meeting the model"},{"speaker":"Hunter Johnson","startTime":989.3299999999999,"endTime":994.4300000000001,"body":"projections. And a lot of it has"},{"speaker":"Hunter Johnson","startTime":994.4300000000001,"endTime":998.1800000000001,"body":"to do with the downtime from"},{"speaker":"Hunter Johnson","startTime":994.4300000000001,"endTime":998.1800000000001,"body":"some of these weather events"},{"speaker":"Hunter Johnson","startTime":998.1800000000001,"endTime":1002.6800000000001,"body":"that weren't in those financial"},{"speaker":"Hunter Johnson","startTime":998.1800000000001,"endTime":1002.6800000000001,"body":"models. Production from Um,"},{"speaker":"Hunter Johnson","startTime":1003.8199999999999,"endTime":1008.53,"body":"whether interruptions whether"},{"speaker":"Hunter Johnson","startTime":1003.8199999999999,"endTime":1008.53,"body":"it's or whether cloud cover and"},{"speaker":"Hunter Johnson","startTime":1008.53,"endTime":1011.3199999999999,"body":"things like that, where, you"},{"speaker":"Hunter Johnson","startTime":1008.53,"endTime":1011.3199999999999,"body":"know, you're only hitting 80%"},{"speaker":"Hunter Johnson","startTime":1011.3199999999999,"endTime":1014.3199999999999,"body":"productivity even without, you"},{"speaker":"Hunter Johnson","startTime":1011.3199999999999,"endTime":1014.3199999999999,"body":"know, whether it's damaging the"},{"speaker":"Hunter Johnson","startTime":1014.3199999999999,"endTime":1019.3,"body":"site. So all of that can be"},{"speaker":"Hunter Johnson","startTime":1014.3199999999999,"endTime":1019.3,"body":"ensured. That's more of like a"},{"speaker":"Hunter Johnson","startTime":1019.3,"endTime":1023.05,"body":"solar foot project or solar put"},{"speaker":"Hunter Johnson","startTime":1019.3,"endTime":1023.05,"body":"product if if we're just not"},{"speaker":"Hunter Johnson","startTime":1023.05,"endTime":1026.05,"body":"producing as much energy as we"},{"speaker":"Hunter Johnson","startTime":1023.05,"endTime":1026.05,"body":"thought we would. Both both"},{"speaker":"Hunter Johnson","startTime":1026.05,"endTime":1027.52,"body":"things can be insured. Yeah."},{"speaker":"Tim Montague","startTime":1029.6499999999999,"endTime":1035.62,"body":"Okay. And what are"},{"speaker":"Tim Montague","startTime":1029.6499999999999,"endTime":1035.62,"body":"some of the trends that you see,"},{"speaker":"Tim Montague","startTime":1035.62,"endTime":1040.75,"body":"you said that the process of"},{"speaker":"Tim Montague","startTime":1035.62,"endTime":1040.75,"body":"going through underwriting has"},{"speaker":"Tim Montague","startTime":1040.75,"endTime":1045.16,"body":"changed dramatically in the last"},{"speaker":"Tim Montague","startTime":1040.75,"endTime":1045.16,"body":"five years? What are some of the"},{"speaker":"Tim Montague","startTime":1045.16,"endTime":1049.18,"body":"major trends that you see I know"},{"speaker":"Tim Montague","startTime":1045.16,"endTime":1049.18,"body":"insurance rates are going up"},{"speaker":"Tim Montague","startTime":1049.54,"endTime":1053.23,"body":"across the board in the world in"},{"speaker":"Tim Montague","startTime":1049.54,"endTime":1053.23,"body":"general, not just in clean"},{"speaker":"Tim Montague","startTime":1053.23,"endTime":1057.07,"body":"energy, but in all forms of"},{"speaker":"Tim Montague","startTime":1053.23,"endTime":1057.07,"body":"insurance? But what are the what"},{"speaker":"Tim Montague","startTime":1057.07,"endTime":1060.34,"body":"are the trends that our"},{"speaker":"Tim Montague","startTime":1057.07,"endTime":1060.34,"body":"listeners would be interested to"},{"speaker":"Tim Montague","startTime":1060.34,"endTime":1060.76,"body":"know?"},{"speaker":"Hunter Johnson","startTime":1061.87,"endTime":1064.78,"body":"Yeah, on a"},{"speaker":"Hunter Johnson","startTime":1061.87,"endTime":1064.78,"body":"utility scale side, the trends"},{"speaker":"Hunter Johnson","startTime":1064.78,"endTime":1069.34,"body":"really are these insurance"},{"speaker":"Hunter Johnson","startTime":1064.78,"endTime":1069.34,"body":"carriers trying to return to a"},{"speaker":"Hunter Johnson","startTime":1069.34,"endTime":1074.2,"body":"state of profitability. And to"},{"speaker":"Hunter Johnson","startTime":1069.34,"endTime":1074.2,"body":"do that, inherently, they have"},{"speaker":"Hunter Johnson","startTime":1074.2,"endTime":1077.17,"body":"to increase rate, as he just"},{"speaker":"Hunter Johnson","startTime":1074.2,"endTime":1077.17,"body":"mentioned, they also have to"},{"speaker":"Hunter Johnson","startTime":1077.17,"endTime":1080.92,"body":"change. You know, their"},{"speaker":"Hunter Johnson","startTime":1077.17,"endTime":1080.92,"body":"deductible structure. So you're"},{"speaker":"Hunter Johnson","startTime":1080.92,"endTime":1083.8000000000002,"body":"going to see larger deductibles"},{"speaker":"Hunter Johnson","startTime":1080.92,"endTime":1083.8000000000002,"body":"on your on your projects, you're"},{"speaker":"Hunter Johnson","startTime":1083.8000000000002,"endTime":1087.73,"body":"going to see longer waiting"},{"speaker":"Hunter Johnson","startTime":1083.8000000000002,"endTime":1087.73,"body":"periods, if you did have your"},{"speaker":"Hunter Johnson","startTime":1087.73,"endTime":1092.44,"body":"site, lose productivity for a"},{"speaker":"Hunter Johnson","startTime":1087.73,"endTime":1092.44,"body":"sustained period of time, you're"},{"speaker":"Hunter Johnson","startTime":1092.44,"endTime":1096.97,"body":"going to see not as much"},{"speaker":"Hunter Johnson","startTime":1092.44,"endTime":1096.97,"body":"insurance available to you at"},{"speaker":"Hunter Johnson","startTime":1096.97,"endTime":1100.8100000000002,"body":"the marketplace, we call this"},{"speaker":"Hunter Johnson","startTime":1096.97,"endTime":1100.8100000000002,"body":"capacity. So if I have a $50"},{"speaker":"Hunter Johnson","startTime":1100.8100000000002,"endTime":1103.5700000000002,"body":"million project, you know,"},{"speaker":"Hunter Johnson","startTime":1100.8100000000002,"endTime":1103.5700000000002,"body":"historically, the insurance"},{"speaker":"Hunter Johnson","startTime":1103.5700000000002,"endTime":1106.51,"body":"carrier would say I'll, I'll"},{"speaker":"Hunter Johnson","startTime":1103.5700000000002,"endTime":1106.51,"body":"ensure the full 50 million I'll"},{"speaker":"Hunter Johnson","startTime":1106.51,"endTime":1109.69,"body":"give you full limits for wind"},{"speaker":"Hunter Johnson","startTime":1106.51,"endTime":1109.69,"body":"and hail for flood, you'll also"},{"speaker":"Hunter Johnson","startTime":1109.69,"endTime":1113.5600000000002,"body":"have 50 million you name it. Now"},{"speaker":"Hunter Johnson","startTime":1109.69,"endTime":1113.5600000000002,"body":"you're going to see, you know,"},{"speaker":"Hunter Johnson","startTime":1113.5600000000002,"endTime":1116.89,"body":"sure I'll ensure your 50 million"},{"speaker":"Hunter Johnson","startTime":1113.5600000000002,"endTime":1116.89,"body":"site $50 million site, but I"},{"speaker":"Hunter Johnson","startTime":1116.89,"endTime":1121.48,"body":"only give you $5 million with a"},{"speaker":"Hunter Johnson","startTime":1116.89,"endTime":1121.48,"body":"flood insurance only give you $5"},{"speaker":"Hunter Johnson","startTime":1121.48,"endTime":1125.5,"body":"million with the wind hail"},{"speaker":"Hunter Johnson","startTime":1121.48,"endTime":1125.5,"body":"coverage. And so you're seeing"},{"speaker":"Hunter Johnson","startTime":1125.71,"endTime":1129.43,"body":"that as well. And that's going"},{"speaker":"Hunter Johnson","startTime":1125.71,"endTime":1129.43,"body":"to continue until they hit that"},{"speaker":"Hunter Johnson","startTime":1129.43,"endTime":1133.45,"body":"inflection point of, are we"},{"speaker":"Hunter Johnson","startTime":1129.43,"endTime":1133.45,"body":"charging enough premium? Do we"},{"speaker":"Hunter Johnson","startTime":1133.45,"endTime":1137.6200000000001,"body":"have asset owners taking on"},{"speaker":"Hunter Johnson","startTime":1133.45,"endTime":1137.6200000000001,"body":"enough risk from a deductible"},{"speaker":"Hunter Johnson","startTime":1137.6200000000001,"endTime":1140.8600000000001,"body":"waiting period standpoint to"},{"speaker":"Hunter Johnson","startTime":1137.6200000000001,"endTime":1140.8600000000001,"body":"where we're adequately pricing"},{"speaker":"Hunter Johnson","startTime":1140.8600000000001,"endTime":1144.13,"body":"these projects, for the events"},{"speaker":"Hunter Johnson","startTime":1140.8600000000001,"endTime":1144.13,"body":"or for the losses that we're"},{"speaker":"Hunter Johnson","startTime":1144.13,"endTime":1146.32,"body":"seeing so that we're all making"},{"speaker":"Hunter Johnson","startTime":1144.13,"endTime":1146.32,"body":"money here?"},{"speaker":"Tim Montague","startTime":1147.3700000000001,"endTime":1149.53,"body":"The Clean Power"},{"speaker":"Tim Montague","startTime":1147.3700000000001,"endTime":1149.53,"body":"Hour is brought to you by CPS"},{"speaker":"Tim Montague","startTime":1149.53,"endTime":1152.74,"body":"America. The maker of North"},{"speaker":"Tim Montague","startTime":1149.53,"endTime":1152.74,"body":"America's number one three phase"},{"speaker":"Tim Montague","startTime":1152.74,"endTime":1155.98,"body":"string inverter with over six"},{"speaker":"Tim Montague","startTime":1152.74,"endTime":1155.98,"body":"gigawatts shipped in the US. The"},{"speaker":"Tim Montague","startTime":1155.98,"endTime":1158.95,"body":"CPS America product lineup"},{"speaker":"Tim Montague","startTime":1155.98,"endTime":1158.95,"body":"includes three phase string"},{"speaker":"Tim Montague","startTime":1158.95,"endTime":1164.32,"body":"inverters ranging from 25 to 275"},{"speaker":"Tim Montague","startTime":1158.95,"endTime":1164.32,"body":"kW, their flagship inverter, the"},{"speaker":"Tim Montague","startTime":1164.32,"endTime":1168.8500000000001,"body":"CPS 252 75, is designed to work"},{"speaker":"Tim Montague","startTime":1164.32,"endTime":1168.8500000000001,"body":"with solar plants ranging from"},{"speaker":"Tim Montague","startTime":1168.8500000000001,"endTime":1174.19,"body":"two megawatts to two gigawatts,"},{"speaker":"Tim Montague","startTime":1168.8500000000001,"endTime":1174.19,"body":"the 250 to 75 pairs well, with"},{"speaker":"Tim Montague","startTime":1174.19,"endTime":1178.09,"body":"CPS America's exceptional data"},{"speaker":"Tim Montague","startTime":1174.19,"endTime":1178.09,"body":"communication controls and"},{"speaker":"Tim Montague","startTime":1178.09,"endTime":1182.53,"body":"energy storage solutions. Go to"},{"speaker":"Tim Montague","startTime":1178.09,"endTime":1182.53,"body":"chin power systems.com To find"},{"speaker":"Tim Montague","startTime":1182.53,"endTime":1188.38,"body":"out more. And then there's the"},{"speaker":"Tim Montague","startTime":1182.53,"endTime":1188.38,"body":"this whole phenomenon of"},{"speaker":"Tim Montague","startTime":1188.38,"endTime":1192.6100000000001,"body":"reinsurance, right. And are you"},{"speaker":"Tim Montague","startTime":1188.38,"endTime":1192.6100000000001,"body":"in the reinsurance business?"},{"speaker":"Hunter Johnson","startTime":1193.93,"endTime":1196.72,"body":"We are as a as"},{"speaker":"Hunter Johnson","startTime":1193.93,"endTime":1196.72,"body":"an organization Alliance. Yeah."},{"speaker":"Hunter Johnson","startTime":1196.93,"endTime":1197.3500000000001,"body":"Yeah."},{"speaker":"Tim Montague","startTime":1197.8600000000001,"endTime":1200.6200000000001,"body":"And so you're"},{"speaker":"Tim Montague","startTime":1197.8600000000001,"endTime":1200.6200000000001,"body":"insuring other insurance"},{"speaker":"Tim Montague","startTime":1200.6200000000001,"endTime":1206.41,"body":"companies whose losses from"},{"speaker":"Tim Montague","startTime":1200.6200000000001,"endTime":1206.41,"body":"catastrophic events are going up"},{"speaker":"Tim Montague","startTime":1206.5,"endTime":1213.1000000000001,"body":"over time? You know, and, and"},{"speaker":"Tim Montague","startTime":1206.5,"endTime":1213.1000000000001,"body":"sometimes these companies go out"},{"speaker":"Tim Montague","startTime":1213.1000000000001,"endTime":1216.49,"body":"of business. I don't know if if"},{"speaker":"Tim Montague","startTime":1213.1000000000001,"endTime":1216.49,"body":"there's been anything in clean"},{"speaker":"Tim Montague","startTime":1216.49,"endTime":1222.79,"body":"tech that has been so dramatic,"},{"speaker":"Tim Montague","startTime":1216.49,"endTime":1222.79,"body":"but what? Yeah, what? What are"},{"speaker":"Tim Montague","startTime":1222.79,"endTime":1227.26,"body":"the what are the megatrends? You"},{"speaker":"Tim Montague","startTime":1222.79,"endTime":1227.26,"body":"know, that are points of"},{"speaker":"Tim Montague","startTime":1227.26,"endTime":1231.7,"body":"conversation. In your office?"},{"speaker":"Hunter Johnson","startTime":1232.78,"endTime":1236.23,"body":"Yeah. So, you"},{"speaker":"Hunter Johnson","startTime":1232.78,"endTime":1236.23,"body":"know, on the reinsurance side,"},{"speaker":"Hunter Johnson","startTime":1236.23,"endTime":1239.47,"body":"you're seeing some of the same"},{"speaker":"Hunter Johnson","startTime":1236.23,"endTime":1239.47,"body":"issues, mainly from a capacity"},{"speaker":"Hunter Johnson","startTime":1239.47,"endTime":1244.57,"body":"standpoint. And so, if I'm"},{"speaker":"Hunter Johnson","startTime":1239.47,"endTime":1244.57,"body":"buying insurance for my house,"},{"speaker":"Hunter Johnson","startTime":1245.1100000000001,"endTime":1247.78,"body":"good analogy, let's say I'm"},{"speaker":"Hunter Johnson","startTime":1245.1100000000001,"endTime":1247.78,"body":"buying insurance from travelers"},{"speaker":"Hunter Johnson","startTime":1247.78,"endTime":1253.18,"body":"from my house, I've got a"},{"speaker":"Hunter Johnson","startTime":1247.78,"endTime":1253.18,"body":"$500,000 house and a $1,000"},{"speaker":"Hunter Johnson","startTime":1253.18,"endTime":1258.31,"body":"deductible, I have a claim, you"},{"speaker":"Hunter Johnson","startTime":1253.18,"endTime":1258.31,"body":"assume travelers is ensuring"},{"speaker":"Hunter Johnson","startTime":1258.31,"endTime":1263.05,"body":"that full 500,000 Well, on large"},{"speaker":"Hunter Johnson","startTime":1258.31,"endTime":1263.05,"body":"commercial solar projects,"},{"speaker":"Hunter Johnson","startTime":1263.05,"endTime":1265.78,"body":"that's not necessarily how that"},{"speaker":"Hunter Johnson","startTime":1263.05,"endTime":1265.78,"body":"works is, you know, the"},{"speaker":"Hunter Johnson","startTime":1265.78,"endTime":1269.17,"body":"insurance carrier travelers in"},{"speaker":"Hunter Johnson","startTime":1265.78,"endTime":1269.17,"body":"that example, is really only"},{"speaker":"Hunter Johnson","startTime":1269.44,"endTime":1273.46,"body":"insuring that first $5,000 for"},{"speaker":"Hunter Johnson","startTime":1269.44,"endTime":1273.46,"body":"the loss, for example, and then"},{"speaker":"Hunter Johnson","startTime":1273.46,"endTime":1276.94,"body":"they actually buy insurance for"},{"speaker":"Hunter Johnson","startTime":1273.46,"endTime":1276.94,"body":"themselves. So instead of saying"},{"speaker":"Hunter Johnson","startTime":1276.97,"endTime":1280.8700000000001,"body":"I'm on the hook for that full"},{"speaker":"Hunter Johnson","startTime":1276.97,"endTime":1280.8700000000001,"body":"$500,000 loss, I you know,"},{"speaker":"Hunter Johnson","startTime":1280.8700000000001,"endTime":1284.2,"body":"insurance carrier am only"},{"speaker":"Hunter Johnson","startTime":1280.8700000000001,"endTime":1284.2,"body":"responsible for the first 5000 I"},{"speaker":"Hunter Johnson","startTime":1284.2,"endTime":1289.1200000000001,"body":"shift that that other $495,000"},{"speaker":"Hunter Johnson","startTime":1284.2,"endTime":1289.1200000000001,"body":"of risk off the reinsurance"},{"speaker":"Hunter Johnson","startTime":1289.1200000000001,"endTime":1293.68,"body":"market, the in the reinsurance"},{"speaker":"Hunter Johnson","startTime":1289.1200000000001,"endTime":1293.68,"body":"space, those attachment points"},{"speaker":"Hunter Johnson","startTime":1293.68,"endTime":1297.49,"body":"are getting higher, and the cost"},{"speaker":"Hunter Johnson","startTime":1293.68,"endTime":1297.49,"body":"to purchase that reinsurance is"},{"speaker":"Hunter Johnson","startTime":1297.49,"endTime":1301.18,"body":"increasing as well. And so when"},{"speaker":"Hunter Johnson","startTime":1297.49,"endTime":1301.18,"body":"you go to buy that policy from"},{"speaker":"Hunter Johnson","startTime":1301.48,"endTime":1304.51,"body":"travelers, and that again,"},{"speaker":"Hunter Johnson","startTime":1301.48,"endTime":1304.51,"body":"Apple, you're seeing the price"},{"speaker":"Hunter Johnson","startTime":1304.51,"endTime":1308.26,"body":"increase at your premium level."},{"speaker":"Hunter Johnson","startTime":1304.51,"endTime":1308.26,"body":"And it's getting more and more"},{"speaker":"Hunter Johnson","startTime":1308.26,"endTime":1312.3700000000001,"body":"difficult for them to place"},{"speaker":"Hunter Johnson","startTime":1308.26,"endTime":1312.3700000000001,"body":"that, that insurance. And if"},{"speaker":"Hunter Johnson","startTime":1312.3700000000001,"endTime":1314.53,"body":"they're having to take on a"},{"speaker":"Hunter Johnson","startTime":1312.3700000000001,"endTime":1314.53,"body":"higher, you know, attachment"},{"speaker":"Hunter Johnson","startTime":1314.53,"endTime":1317.26,"body":"point that of being able to say,"},{"speaker":"Hunter Johnson","startTime":1314.53,"endTime":1317.26,"body":"I'm going to shift my risk and"},{"speaker":"Hunter Johnson","startTime":1317.26,"endTime":1320.83,"body":"5000 instead, I'm going to have"},{"speaker":"Hunter Johnson","startTime":1317.26,"endTime":1320.83,"body":"to shift my risk at 25,000."},{"speaker":"Hunter Johnson","startTime":1321.28,"endTime":1324.19,"body":"Well, that limits the number of"},{"speaker":"Hunter Johnson","startTime":1321.28,"endTime":1324.19,"body":"policies that, you know,"},{"speaker":"Hunter Johnson","startTime":1324.22,"endTime":1327.49,"body":"travelers in this example is"},{"speaker":"Hunter Johnson","startTime":1324.22,"endTime":1327.49,"body":"able to sell, you know, across"},{"speaker":"Hunter Johnson","startTime":1327.49,"endTime":1330.52,"body":"the board. And so they're"},{"speaker":"Hunter Johnson","startTime":1327.49,"endTime":1330.52,"body":"getting more stringent and"},{"speaker":"Hunter Johnson","startTime":1331.42,"endTime":1336.13,"body":"deploying their limited amount"},{"speaker":"Hunter Johnson","startTime":1331.42,"endTime":1336.13,"body":"of capacity more selectively"},{"speaker":"Hunter Johnson","startTime":1336.79,"endTime":1339.04,"body":"across the market. So it's"},{"speaker":"Hunter Johnson","startTime":1336.79,"endTime":1339.04,"body":"getting harder to place"},{"speaker":"Hunter Johnson","startTime":1339.04,"endTime":1342.94,"body":"projects, as well, at the same"},{"speaker":"Hunter Johnson","startTime":1339.04,"endTime":1342.94,"body":"time, is kind of the the full"},{"speaker":"Hunter Johnson","startTime":1342.94,"endTime":1344.1100000000001,"body":"circle roundabout there."},{"speaker":"Tim Montague","startTime":1345.49,"endTime":1348.04,"body":"It's getting"},{"speaker":"Tim Montague","startTime":1345.49,"endTime":1348.04,"body":"harder to place projects. Is"},{"speaker":"Tim Montague","startTime":1348.04,"endTime":1348.7,"body":"that what you said?"},{"speaker":"Hunter Johnson","startTime":1349.72,"endTime":1351.73,"body":"Yes, yeah, I"},{"speaker":"Hunter Johnson","startTime":1349.72,"endTime":1351.73,"body":"mean, there are a lot new, there"},{"speaker":"Hunter Johnson","startTime":1351.73,"endTime":1354.28,"body":"are a lot of new entrance, there"},{"speaker":"Hunter Johnson","startTime":1351.73,"endTime":1354.28,"body":"are a lot of mgas available, but"},{"speaker":"Hunter Johnson","startTime":1354.28,"endTime":1358.84,"body":"you're seeing fewer carriers"},{"speaker":"Hunter Johnson","startTime":1354.28,"endTime":1358.84,"body":"being able to ensure a full"},{"speaker":"Hunter Johnson","startTime":1358.84,"endTime":1362.08,"body":"portfolio, you know, a lot of"},{"speaker":"Hunter Johnson","startTime":1358.84,"endTime":1362.08,"body":"its going to have what we call"},{"speaker":"Hunter Johnson","startTime":1362.08,"endTime":1367.54,"body":"like a pro rata share, or, you"},{"speaker":"Hunter Johnson","startTime":1362.08,"endTime":1367.54,"body":"know, tiered placement. So you'd"},{"speaker":"Hunter Johnson","startTime":1367.54,"endTime":1374.02,"body":"have, you know, carrier x, right"},{"speaker":"Hunter Johnson","startTime":1367.54,"endTime":1374.02,"body":"25% of a portfolio carrier, why"},{"speaker":"Hunter Johnson","startTime":1374.08,"endTime":1378.73,"body":"another 25% in interior Z, right"},{"speaker":"Hunter Johnson","startTime":1374.08,"endTime":1378.73,"body":"the into the other 50 Instead of"},{"speaker":"Hunter Johnson","startTime":1378.73,"endTime":1381.13,"body":"being able to go to one"},{"speaker":"Hunter Johnson","startTime":1378.73,"endTime":1381.13,"body":"insurance company to place your"},{"speaker":"Hunter Johnson","startTime":1381.13,"endTime":1384.07,"body":"entire portfolio, you're now"},{"speaker":"Hunter Johnson","startTime":1381.13,"endTime":1384.07,"body":"having to get more creative and,"},{"speaker":"Hunter Johnson","startTime":1384.6100000000001,"endTime":1387.88,"body":"and, you know, go out to London"},{"speaker":"Hunter Johnson","startTime":1384.6100000000001,"endTime":1387.88,"body":"and find different syndicates"},{"speaker":"Hunter Johnson","startTime":1387.88,"endTime":1391.78,"body":"that are able to, you know,"},{"speaker":"Hunter Johnson","startTime":1387.88,"endTime":1391.78,"body":"place a, you know, a tiered or"},{"speaker":"Hunter Johnson","startTime":1391.78,"endTime":1396.25,"body":"pro rata share program is"},{"speaker":"Hunter Johnson","startTime":1391.78,"endTime":1396.25,"body":"getting more more complex every"},{"speaker":"Hunter Johnson","startTime":1396.25,"endTime":1398.08,"body":"year that goes by, I"},{"speaker":"Tim Montague","startTime":1398.08,"endTime":1401.14,"body":"would imagine,"},{"speaker":"Tim Montague","startTime":1398.08,"endTime":1401.14,"body":"too, that you have a purview"},{"speaker":"Tim Montague","startTime":1401.14,"endTime":1406.84,"body":"into, for example, types of"},{"speaker":"Tim Montague","startTime":1401.14,"endTime":1406.84,"body":"equipment, certain OEMs. And,"},{"speaker":"Tim Montague","startTime":1407.17,"endTime":1411.31,"body":"and getting a signal on, well,"},{"speaker":"Tim Montague","startTime":1407.17,"endTime":1411.31,"body":"here's equipment that has a very"},{"speaker":"Tim Montague","startTime":1411.31,"endTime":1418.39,"body":"high level of performance. And"},{"speaker":"Tim Montague","startTime":1411.31,"endTime":1418.39,"body":"here's a manufacturer that has a"},{"speaker":"Tim Montague","startTime":1418.39,"endTime":1423.19,"body":"lot of problems and a lot of"},{"speaker":"Tim Montague","startTime":1418.39,"endTime":1423.19,"body":"breakdowns. Does that go into"},{"speaker":"Tim Montague","startTime":1423.19,"endTime":1426.34,"body":"the calculus when you're"},{"speaker":"Tim Montague","startTime":1423.19,"endTime":1426.34,"body":"underwriting a project or"},{"speaker":"Tim Montague","startTime":1426.34,"endTime":1427.09,"body":"portfolio?"},{"speaker":"Hunter Johnson","startTime":1428.02,"endTime":1430.84,"body":"Very much. So."},{"speaker":"Hunter Johnson","startTime":1428.02,"endTime":1430.84,"body":"Yes. So and that's something"},{"speaker":"Hunter Johnson","startTime":1430.84,"endTime":1434.6200000000001,"body":"that's changed in the past two,"},{"speaker":"Hunter Johnson","startTime":1430.84,"endTime":1434.6200000000001,"body":"three years is getting more"},{"speaker":"Hunter Johnson","startTime":1436.39,"endTime":1440.71,"body":"critical on on who the"},{"speaker":"Hunter Johnson","startTime":1436.39,"endTime":1440.71,"body":"manufacturers of inverters"},{"speaker":"Hunter Johnson","startTime":1440.74,"endTime":1443.71,"body":"namely, right now there's, there"},{"speaker":"Hunter Johnson","startTime":1440.74,"endTime":1443.71,"body":"are a couple of names in the"},{"speaker":"Hunter Johnson","startTime":1443.71,"endTime":1446.95,"body":"industry that are like saying"},{"speaker":"Hunter Johnson","startTime":1443.71,"endTime":1446.95,"body":"Voldemort to Harry Potter reader"},{"speaker":"Hunter Johnson","startTime":1446.98,"endTime":1449.65,"body":"is the the insurance"},{"speaker":"Hunter Johnson","startTime":1446.98,"endTime":1449.65,"body":"underwriters just don't want to"},{"speaker":"Hunter Johnson","startTime":1449.65,"endTime":1454.66,"body":"hear them. And the issue is,"},{"speaker":"Hunter Johnson","startTime":1449.65,"endTime":1454.66,"body":"some of these manufacturers have"},{"speaker":"Hunter Johnson","startTime":1454.69,"endTime":1457.69,"body":"have stopped manufacturing"},{"speaker":"Hunter Johnson","startTime":1454.69,"endTime":1457.69,"body":"direct replacements to certain"},{"speaker":"Hunter Johnson","startTime":1457.69,"endTime":1461.53,"body":"components, or the manufactured"},{"speaker":"Hunter Johnson","startTime":1457.69,"endTime":1461.53,"body":"overseas, and there's some"},{"speaker":"Hunter Johnson","startTime":1461.53,"endTime":1465.22,"body":"supply chain issues to get the"},{"speaker":"Hunter Johnson","startTime":1461.53,"endTime":1465.22,"body":"replacement components over"},{"speaker":"Hunter Johnson","startTime":1465.22,"endTime":1468.8500000000001,"body":"here. And they're just not"},{"speaker":"Hunter Johnson","startTime":1465.22,"endTime":1468.8500000000001,"body":"available. There's the glut and"},{"speaker":"Hunter Johnson","startTime":1468.8500000000001,"endTime":1474.07,"body":"supply in with some specific"},{"speaker":"Hunter Johnson","startTime":1468.8500000000001,"endTime":1474.07,"body":"manufacturers. So that's an"},{"speaker":"Hunter Johnson","startTime":1474.07,"endTime":1477.43,"body":"issue. And some central"},{"speaker":"Hunter Johnson","startTime":1474.07,"endTime":1477.43,"body":"inverter, there's a central"},{"speaker":"Hunter Johnson","startTime":1477.43,"endTime":1480.8500000000001,"body":"inverter manufacturer that we've"},{"speaker":"Hunter Johnson","startTime":1477.43,"endTime":1480.8500000000001,"body":"had some issues with as well. So"},{"speaker":"Hunter Johnson","startTime":1481.09,"endTime":1483.73,"body":"what insurance companies"},{"speaker":"Hunter Johnson","startTime":1481.09,"endTime":1483.73,"body":"insurance carriers, the people"},{"speaker":"Hunter Johnson","startTime":1483.73,"endTime":1486.28,"body":"providing the coverage for these"},{"speaker":"Hunter Johnson","startTime":1483.73,"endTime":1486.28,"body":"sites have started doing is,"},{"speaker":"Hunter Johnson","startTime":1486.8500000000001,"endTime":1491.1100000000001,"body":"okay, we're going to underwrite"},{"speaker":"Hunter Johnson","startTime":1486.8500000000001,"endTime":1491.1100000000001,"body":"your entire portfolio. But if"},{"speaker":"Hunter Johnson","startTime":1491.1100000000001,"endTime":1494.89,"body":"you have this, you know, OEM at"},{"speaker":"Hunter Johnson","startTime":1491.1100000000001,"endTime":1494.89,"body":"this site, we're going to"},{"speaker":"Hunter Johnson","startTime":1494.92,"endTime":1498.28,"body":"implement different deductibles"},{"speaker":"Hunter Johnson","startTime":1494.92,"endTime":1498.28,"body":"or limit coverage just for that"},{"speaker":"Hunter Johnson","startTime":1498.28,"endTime":1502.33,"body":"one site in response to that to"},{"speaker":"Hunter Johnson","startTime":1498.28,"endTime":1502.33,"body":"help protect ourselves because"},{"speaker":"Hunter Johnson","startTime":1502.33,"endTime":1509.32,"body":"we know you know, at a large"},{"speaker":"Hunter Johnson","startTime":1502.33,"endTime":1509.32,"body":"scale bases that they're having"},{"speaker":"Hunter Johnson","startTime":1509.32,"endTime":1513.1000000000001,"body":"issues supplying direct"},{"speaker":"Hunter Johnson","startTime":1509.32,"endTime":1513.1000000000001,"body":"replacement parts, and that"},{"speaker":"Hunter Johnson","startTime":1513.1000000000001,"endTime":1515.98,"body":"sites probably if we have a"},{"speaker":"Hunter Johnson","startTime":1513.1000000000001,"endTime":1515.98,"body":"claim there, you're going to be"},{"speaker":"Hunter Johnson","startTime":1515.98,"endTime":1521.2,"body":"down longer than you would if"},{"speaker":"Hunter Johnson","startTime":1515.98,"endTime":1521.2,"body":"you were not it was that made by"},{"speaker":"Hunter Johnson","startTime":1521.2,"endTime":1522.58,"body":"the OEM? Sure."},{"speaker":"Tim Montague","startTime":1523.75,"endTime":1525.19,"body":"Yeah, I think"},{"speaker":"Tim Montague","startTime":1523.75,"endTime":1525.19,"body":"that's definitely one of the"},{"speaker":"Tim Montague","startTime":1525.19,"endTime":1528.79,"body":"things driving the trend from"},{"speaker":"Tim Montague","startTime":1525.19,"endTime":1528.79,"body":"central to string inverters is"},{"speaker":"Tim Montague","startTime":1528.79,"endTime":1533.08,"body":"it's easier to have replacement"},{"speaker":"Tim Montague","startTime":1528.79,"endTime":1533.08,"body":"parts on site. You can just have"},{"speaker":"Tim Montague","startTime":1533.1100000000001,"endTime":1536.1100000000001,"body":"a shipping container with string"},{"speaker":"Tim Montague","startTime":1533.1100000000001,"endTime":1536.1100000000001,"body":"inverters in it, right? Whereas"},{"speaker":"Tim Montague","startTime":1536.14,"endTime":1541.39,"body":"central inverter may or may not"},{"speaker":"Tim Montague","startTime":1536.14,"endTime":1541.39,"body":"fit into any container. Yeah,"},{"speaker":"Tim Montague","startTime":1541.66,"endTime":1547.3600000000001,"body":"yeah. But yeah, not to mention"},{"speaker":"Tim Montague","startTime":1541.66,"endTime":1547.3600000000001,"body":"the cost. So well, I have a"},{"speaker":"Tim Montague","startTime":1547.3600000000001,"endTime":1551.53,"body":"couple questions related to"},{"speaker":"Tim Montague","startTime":1547.3600000000001,"endTime":1551.53,"body":"this. Is there is there like a"},{"speaker":"Tim Montague","startTime":1551.53,"endTime":1557.92,"body":"guide that you issue, a white"},{"speaker":"Tim Montague","startTime":1551.53,"endTime":1557.92,"body":"paper or a guide for developers"},{"speaker":"Tim Montague","startTime":1557.92,"endTime":1564.52,"body":"and asset owners saying, Hey,"},{"speaker":"Tim Montague","startTime":1557.92,"endTime":1564.52,"body":"guys, here's how to, you know,"},{"speaker":"Tim Montague","startTime":1564.55,"endTime":1569.02,"body":"ease your pain and improve"},{"speaker":"Tim Montague","startTime":1564.55,"endTime":1569.02,"body":"insurability and reduce your"},{"speaker":"Tim Montague","startTime":1569.02,"endTime":1570.94,"body":"rates over the long haul?"},{"speaker":"Hunter Johnson","startTime":1571.57,"endTime":1574.99,"body":"We do. Yeah. So"},{"speaker":"Hunter Johnson","startTime":1571.57,"endTime":1574.99,"body":"we are acquiring line energy"},{"speaker":"Hunter Johnson","startTime":1574.99,"endTime":1580.6000000000001,"body":"practice, you know, pushes out"},{"speaker":"Hunter Johnson","startTime":1574.99,"endTime":1580.6000000000001,"body":"white papers and good things for"},{"speaker":"Hunter Johnson","startTime":1580.63,"endTime":1584.95,"body":"developers to have quarterly."},{"speaker":"Hunter Johnson","startTime":1580.63,"endTime":1584.95,"body":"We, you know, an enterprise"},{"speaker":"Hunter Johnson","startTime":1584.95,"endTime":1589.21,"body":"level we publish quarterly"},{"speaker":"Hunter Johnson","startTime":1584.95,"endTime":1589.21,"body":"updates as well. One thing we"},{"speaker":"Hunter Johnson","startTime":1589.21,"endTime":1593.95,"body":"don't do is publish the names of"},{"speaker":"Hunter Johnson","startTime":1589.21,"endTime":1593.95,"body":"those OEMs to, you know, be"},{"speaker":"Hunter Johnson","startTime":1593.95,"endTime":1599.14,"body":"cognizant of, not healthy to"},{"speaker":"Hunter Johnson","startTime":1593.95,"endTime":1599.14,"body":"sling mud, right. But you know,"},{"speaker":"Hunter Johnson","startTime":1599.14,"endTime":1604.1200000000001,"body":"it is it is important to be"},{"speaker":"Hunter Johnson","startTime":1599.14,"endTime":1604.1200000000001,"body":"aware how how to best position"},{"speaker":"Hunter Johnson","startTime":1604.1200000000001,"endTime":1608.26,"body":"your portfolio for success in"},{"speaker":"Hunter Johnson","startTime":1604.1200000000001,"endTime":1608.26,"body":"the marketplace right now. And a"},{"speaker":"Hunter Johnson","startTime":1608.26,"endTime":1612.01,"body":"lot of that is going to be the"},{"speaker":"Hunter Johnson","startTime":1608.26,"endTime":1612.01,"body":"partners that you choose to"},{"speaker":"Hunter Johnson","startTime":1612.01,"endTime":1615.07,"body":"operate that site from an owner"},{"speaker":"Hunter Johnson","startTime":1612.01,"endTime":1615.07,"body":"standpoint, and from an asset"},{"speaker":"Hunter Johnson","startTime":1615.07,"endTime":1617.74,"body":"management standpoint, because"},{"speaker":"Hunter Johnson","startTime":1615.07,"endTime":1617.74,"body":"they are the ones that will be"},{"speaker":"Hunter Johnson","startTime":1617.74,"endTime":1621.97,"body":"able to respond, you know, and"},{"speaker":"Hunter Johnson","startTime":1617.74,"endTime":1621.97,"body":"even up a lot quicker."},{"speaker":"Tim Montague","startTime":1622.69,"endTime":1624.94,"body":"I mean, Bloomberg"},{"speaker":"Tim Montague","startTime":1622.69,"endTime":1624.94,"body":"has gotten famous for their tier"},{"speaker":"Tim Montague","startTime":1624.94,"endTime":1630.19,"body":"one list, which includes solar"},{"speaker":"Tim Montague","startTime":1624.94,"endTime":1630.19,"body":"modules, and inverters. And what"},{"speaker":"Tim Montague","startTime":1630.19,"endTime":1633.55,"body":"many energy professionals don't"},{"speaker":"Tim Montague","startTime":1630.19,"endTime":1633.55,"body":"realize is this is more about"},{"speaker":"Tim Montague","startTime":1633.55,"endTime":1636.55,"body":"the financial standing of the"},{"speaker":"Tim Montague","startTime":1633.55,"endTime":1636.55,"body":"company in the manufacturer than"},{"speaker":"Tim Montague","startTime":1636.55,"endTime":1640.6000000000001,"body":"it is about the quality of the"},{"speaker":"Tim Montague","startTime":1636.55,"endTime":1640.6000000000001,"body":"equipment. There are two"},{"speaker":"Tim Montague","startTime":1640.6000000000001,"endTime":1644.74,"body":"separate, there's two separate"},{"speaker":"Tim Montague","startTime":1640.6000000000001,"endTime":1644.74,"body":"things there. And it's, it's"},{"speaker":"Tim Montague","startTime":1644.74,"endTime":1648.58,"body":"more about, like the likelihood"},{"speaker":"Tim Montague","startTime":1644.74,"endTime":1648.58,"body":"of the company being in business"},{"speaker":"Tim Montague","startTime":1648.58,"endTime":1655.09,"body":"in five years. Yeah, and yeah,"},{"speaker":"Tim Montague","startTime":1648.58,"endTime":1655.09,"body":"you can have fantastic products"},{"speaker":"Tim Montague","startTime":1655.1200000000001,"endTime":1659.47,"body":"that are very high quality, but"},{"speaker":"Tim Montague","startTime":1655.1200000000001,"endTime":1659.47,"body":"are not tier one, because the"},{"speaker":"Tim Montague","startTime":1659.47,"endTime":1662.6200000000001,"body":"company that makes them doesn't"},{"speaker":"Tim Montague","startTime":1659.47,"endTime":1662.6200000000001,"body":"have a certain brawn"},{"speaker":"Tim Montague","startTime":1662.6200000000001,"endTime":1665.83,"body":"financially. And the inverse,"},{"speaker":"Tim Montague","startTime":1662.6200000000001,"endTime":1665.83,"body":"right, you can have a tier one"},{"speaker":"Tim Montague","startTime":1665.83,"endTime":1669.73,"body":"module or inverter that, you"},{"speaker":"Tim Montague","startTime":1665.83,"endTime":1669.73,"body":"know, is made by a huge"},{"speaker":"Tim Montague","startTime":1669.8500000000001,"endTime":1677.38,"body":"multinational manufacturer, but"},{"speaker":"Tim Montague","startTime":1669.8500000000001,"endTime":1677.38,"body":"has relatively low performance"},{"speaker":"Tim Montague","startTime":1677.68,"endTime":1682.81,"body":"in the field. And that's where"},{"speaker":"Tim Montague","startTime":1677.68,"endTime":1682.81,"body":"organizations like PBL come into"},{"speaker":"Tim Montague","startTime":1682.81,"endTime":1685.99,"body":"play, right, that are doing"},{"speaker":"Tim Montague","startTime":1682.81,"endTime":1685.99,"body":"this, you know, these"},{"speaker":"Tim Montague","startTime":1686.02,"endTime":1691.03,"body":"standardized equipment testing"},{"speaker":"Tim Montague","startTime":1686.02,"endTime":1691.03,"body":"and, and reporting a huge fan of"},{"speaker":"Tim Montague","startTime":1691.03,"endTime":1696.31,"body":"what PBL does. But in that"},{"speaker":"Tim Montague","startTime":1691.03,"endTime":1696.31,"body":"regard, is is there, is there a"},{"speaker":"Tim Montague","startTime":1696.31,"endTime":1699.91,"body":"parallel universe to to the"},{"speaker":"Tim Montague","startTime":1696.31,"endTime":1699.91,"body":"Bloomberg tier one in the"},{"speaker":"Tim Montague","startTime":1699.91,"endTime":1700.75,"body":"insurance world?"},{"speaker":"Hunter Johnson","startTime":1703.18,"endTime":1707.1100000000001,"body":"Short answer,"},{"speaker":"Hunter Johnson","startTime":1703.18,"endTime":1707.1100000000001,"body":"yes. You know, a lot of the more"},{"speaker":"Hunter Johnson","startTime":1707.1100000000001,"endTime":1710.71,"body":"reliable and more financially"},{"speaker":"Hunter Johnson","startTime":1707.1100000000001,"endTime":1710.71,"body":"stable manufacturers are, are"},{"speaker":"Hunter Johnson","startTime":1710.71,"endTime":1713.26,"body":"typically the ones that have the"},{"speaker":"Hunter Johnson","startTime":1710.71,"endTime":1713.26,"body":"better quality products and will"},{"speaker":"Hunter Johnson","startTime":1713.26,"endTime":1716.83,"body":"be around, you know, a lot of"},{"speaker":"Hunter Johnson","startTime":1713.26,"endTime":1716.83,"body":"these sites are aging as well."},{"speaker":"Hunter Johnson","startTime":1716.83,"endTime":1721.15,"body":"So we've got sites that are, you"},{"speaker":"Hunter Johnson","startTime":1716.83,"endTime":1721.15,"body":"know, 1015 years old, and it's"},{"speaker":"Hunter Johnson","startTime":1721.15,"endTime":1724.27,"body":"the manufacturer is no longer"},{"speaker":"Hunter Johnson","startTime":1721.15,"endTime":1724.27,"body":"around. What happens when you"},{"speaker":"Hunter Johnson","startTime":1724.27,"endTime":1727.6000000000001,"body":"have a claim? How do you replace"},{"speaker":"Hunter Johnson","startTime":1724.27,"endTime":1727.6000000000001,"body":"those exact components to get"},{"speaker":"Hunter Johnson","startTime":1727.6000000000001,"endTime":1731.26,"body":"the site back up and running?"},{"speaker":"Hunter Johnson","startTime":1727.6000000000001,"endTime":1731.26,"body":"That's important consideration"},{"speaker":"Hunter Johnson","startTime":1731.29,"endTime":1734.8600000000001,"body":"when sharing it the insurability"},{"speaker":"Hunter Johnson","startTime":1731.29,"endTime":1734.8600000000001,"body":"of a project."},{"speaker":"Tim Montague","startTime":1737.38,"endTime":1741.52,"body":"Cool. Well, I'm a"},{"speaker":"Tim Montague","startTime":1737.38,"endTime":1741.52,"body":"little hobbled because I don't"},{"speaker":"Tim Montague","startTime":1741.52,"endTime":1745.15,"body":"know what I don't know. Like,"},{"speaker":"Tim Montague","startTime":1741.52,"endTime":1745.15,"body":"what else should? What else"},{"speaker":"Tim Montague","startTime":1745.15,"endTime":1750.52,"body":"should installers, developers"},{"speaker":"Tim Montague","startTime":1745.15,"endTime":1750.52,"body":"and asset owners be thinking"},{"speaker":"Tim Montague","startTime":1750.52,"endTime":1755.08,"body":"about when it comes to"},{"speaker":"Tim Montague","startTime":1750.52,"endTime":1755.08,"body":"insurance? For the, for them,"},{"speaker":"Tim Montague","startTime":1755.32,"endTime":1758.77,"body":"for themselves and for their"},{"speaker":"Tim Montague","startTime":1755.32,"endTime":1758.77,"body":"customers? Yeah,"},{"speaker":"Hunter Johnson","startTime":1758.8,"endTime":1761.3500000000001,"body":"I mean,"},{"speaker":"Hunter Johnson","startTime":1758.8,"endTime":1761.3500000000001,"body":"installers are kind of seeing a"},{"speaker":"Hunter Johnson","startTime":1761.47,"endTime":1766.06,"body":"totally different difficulty in"},{"speaker":"Hunter Johnson","startTime":1761.47,"endTime":1766.06,"body":"insurance. Or when it comes to"},{"speaker":"Hunter Johnson","startTime":1766.06,"endTime":1768.91,"body":"insurance, right now, they have"},{"speaker":"Hunter Johnson","startTime":1766.06,"endTime":1768.91,"body":"different things to consider"},{"speaker":"Hunter Johnson","startTime":1768.91,"endTime":1774.4,"body":"them, you know, an asset owner"},{"speaker":"Hunter Johnson","startTime":1768.91,"endTime":1774.4,"body":"or an asset manager. A lot of"},{"speaker":"Hunter Johnson","startTime":1774.4,"endTime":1778.1200000000001,"body":"their insurance is going to be"},{"speaker":"Hunter Johnson","startTime":1774.4,"endTime":1778.1200000000001,"body":"mostly casualty driven. So we're"},{"speaker":"Hunter Johnson","startTime":1778.1200000000001,"endTime":1781.39,"body":"talking about general liability,"},{"speaker":"Hunter Johnson","startTime":1778.1200000000001,"endTime":1781.39,"body":"auto work comp, type"},{"speaker":"Hunter Johnson","startTime":1781.39,"endTime":1784.75,"body":"considerations compared to just,"},{"speaker":"Hunter Johnson","startTime":1781.39,"endTime":1784.75,"body":"you know, ensuring the actual"},{"speaker":"Hunter Johnson","startTime":1784.75,"endTime":1787.66,"body":"assets, you know, that"},{"speaker":"Hunter Johnson","startTime":1784.75,"endTime":1787.66,"body":"typically, they're going to have"},{"speaker":"Hunter Johnson","startTime":1787.66,"endTime":1789.91,"body":"more employees as well. So we"},{"speaker":"Hunter Johnson","startTime":1787.66,"endTime":1789.91,"body":"have things like medical"},{"speaker":"Hunter Johnson","startTime":1789.91,"endTime":1793.51,"body":"marijuana and employment"},{"speaker":"Hunter Johnson","startTime":1789.91,"endTime":1793.51,"body":"practices, trends to keep be"},{"speaker":"Hunter Johnson","startTime":1793.51,"endTime":1796.81,"body":"aware of as well. And"},{"speaker":"Hunter Johnson","startTime":1793.51,"endTime":1796.81,"body":"unfortunately, on that side of"},{"speaker":"Hunter Johnson","startTime":1796.81,"endTime":1802.3600000000001,"body":"the business, auto insurance and"},{"speaker":"Hunter Johnson","startTime":1796.81,"endTime":1802.3600000000001,"body":"liability insurance is no easier"},{"speaker":"Hunter Johnson","startTime":1802.3600000000001,"endTime":1806.41,"body":"to place than property insurance"},{"speaker":"Hunter Johnson","startTime":1802.3600000000001,"endTime":1806.41,"body":"right now. So you're seeing on"},{"speaker":"Hunter Johnson","startTime":1806.41,"endTime":1809.68,"body":"the in the residential and solar"},{"speaker":"Hunter Johnson","startTime":1806.41,"endTime":1809.68,"body":"market, last year was a very"},{"speaker":"Hunter Johnson","startTime":1809.68,"endTime":1812.83,"body":"tough year. You know, a lot of"},{"speaker":"Hunter Johnson","startTime":1809.68,"endTime":1812.83,"body":"their business is dependent on"},{"speaker":"Hunter Johnson","startTime":1812.8600000000001,"endTime":1815.77,"body":"interest rates, and how easy it"},{"speaker":"Hunter Johnson","startTime":1812.8600000000001,"endTime":1815.77,"body":"is for the homeowner to finance"},{"speaker":"Hunter Johnson","startTime":1817.15,"endTime":1821.41,"body":"a solar array on the roof. And"},{"speaker":"Hunter Johnson","startTime":1817.15,"endTime":1821.41,"body":"so if you go from 3%, financing"},{"speaker":"Hunter Johnson","startTime":1821.41,"endTime":1825.8500000000001,"body":"to 9%, financing in a period of"},{"speaker":"Hunter Johnson","startTime":1821.41,"endTime":1825.8500000000001,"body":"eight to 12 months, it really"},{"speaker":"Hunter Johnson","startTime":1825.8500000000001,"endTime":1831.1000000000001,"body":"impacts your ability to sell"},{"speaker":"Hunter Johnson","startTime":1825.8500000000001,"endTime":1831.1000000000001,"body":"these, these projects. So that"},{"speaker":"Hunter Johnson","startTime":1831.1000000000001,"endTime":1835.24,"body":"was tough. Fortunately, I think"},{"speaker":"Hunter Johnson","startTime":1831.1000000000001,"endTime":1835.24,"body":"homeowners are getting to a new"},{"speaker":"Hunter Johnson","startTime":1835.24,"endTime":1839.08,"body":"state of normal in our industry,"},{"speaker":"Hunter Johnson","startTime":1835.24,"endTime":1839.08,"body":"we're seeing that across the"},{"speaker":"Hunter Johnson","startTime":1839.08,"endTime":1842.92,"body":"economy as well. I mean, lations"},{"speaker":"Hunter Johnson","startTime":1839.08,"endTime":1842.92,"body":"just went up last month, even"},{"speaker":"Hunter Johnson","startTime":1842.92,"endTime":1846.07,"body":"with these record high interest"},{"speaker":"Hunter Johnson","startTime":1842.92,"endTime":1846.07,"body":"rates, so people are getting"},{"speaker":"Hunter Johnson","startTime":1846.07,"endTime":1849.94,"body":"accustomed to to buying high"},{"speaker":"Hunter Johnson","startTime":1846.07,"endTime":1849.94,"body":"ticket items at a much higher"},{"speaker":"Hunter Johnson","startTime":1849.94,"endTime":1855.46,"body":"rate. So hopefully we see sales"},{"speaker":"Hunter Johnson","startTime":1849.94,"endTime":1855.46,"body":"rebound. But last year stuff and"},{"speaker":"Hunter Johnson","startTime":1855.49,"endTime":1860.44,"body":"what you're seeing are a lot of"},{"speaker":"Hunter Johnson","startTime":1855.49,"endTime":1860.44,"body":"liability claims on roofs I've"},{"speaker":"Hunter Johnson","startTime":1860.44,"endTime":1864.28,"body":"got a fire that I'm gonna go out"},{"speaker":"Hunter Johnson","startTime":1860.44,"endTime":1864.28,"body":"to Tennessee to next week. That"},{"speaker":"Hunter Johnson","startTime":1864.28,"endTime":1869.59,"body":"was from an install two years"},{"speaker":"Hunter Johnson","startTime":1864.28,"endTime":1869.59,"body":"ago. And so that is impacting"},{"speaker":"Hunter Johnson","startTime":1869.6200000000001,"endTime":1874.15,"body":"how many carriers are willing to"},{"speaker":"Hunter Johnson","startTime":1869.6200000000001,"endTime":1874.15,"body":"insure these installers. And"},{"speaker":"Hunter Johnson","startTime":1874.81,"endTime":1877.3,"body":"just four or five years ago,"},{"speaker":"Hunter Johnson","startTime":1874.81,"endTime":1877.3,"body":"there was an abundance of"},{"speaker":"Hunter Johnson","startTime":1877.3,"endTime":1879.8500000000001,"body":"insurance companies that were"},{"speaker":"Hunter Johnson","startTime":1877.3,"endTime":1879.8500000000001,"body":"willing to offer insurance to"},{"speaker":"Hunter Johnson","startTime":1879.8500000000001,"endTime":1882.67,"body":"these installers both on the"},{"speaker":"Hunter Johnson","startTime":1879.8500000000001,"endTime":1882.67,"body":"residential and commercial side,"},{"speaker":"Hunter Johnson","startTime":1883.1200000000001,"endTime":1886.78,"body":"because it was a new industry."},{"speaker":"Hunter Johnson","startTime":1883.1200000000001,"endTime":1886.78,"body":"Insurance carriers didn't know"},{"speaker":"Hunter Johnson","startTime":1886.78,"endTime":1891.19,"body":"what they didn't know. Even"},{"speaker":"Hunter Johnson","startTime":1886.78,"endTime":1891.19,"body":"being a 1520 year old industry"},{"speaker":"Hunter Johnson","startTime":1891.19,"endTime":1895.21,"body":"that's still young in the in the"},{"speaker":"Hunter Johnson","startTime":1891.19,"endTime":1895.21,"body":"world of insurance. And so these"},{"speaker":"Hunter Johnson","startTime":1895.21,"endTime":1898.0,"body":"insurance carriers were weren't"},{"speaker":"Hunter Johnson","startTime":1895.21,"endTime":1898.0,"body":"really sure what types of claims"},{"speaker":"Hunter Johnson","startTime":1898.0,"endTime":1901.51,"body":"they'd be seeing what the"},{"speaker":"Hunter Johnson","startTime":1898.0,"endTime":1901.51,"body":"product liability, you know,"},{"speaker":"Hunter Johnson","startTime":1901.54,"endTime":1906.16,"body":"standpoint was And we're seeing"},{"speaker":"Hunter Johnson","startTime":1901.54,"endTime":1906.16,"body":"a lot of liability claims come"},{"speaker":"Hunter Johnson","startTime":1906.16,"endTime":1908.89,"body":"out of that. And so the"},{"speaker":"Hunter Johnson","startTime":1906.16,"endTime":1908.89,"body":"abundance of carriers is just"},{"speaker":"Hunter Johnson","startTime":1908.89,"endTime":1913.42,"body":"continuing to shrink. And so"},{"speaker":"Hunter Johnson","startTime":1908.89,"endTime":1913.42,"body":"we're seeing larger installers"},{"speaker":"Hunter Johnson","startTime":1913.42,"endTime":1920.17,"body":"look at more like loss sensitive"},{"speaker":"Hunter Johnson","startTime":1913.42,"endTime":1920.17,"body":"or you know, creative risk"},{"speaker":"Hunter Johnson","startTime":1920.17,"endTime":1922.9,"body":"financing products like route"},{"speaker":"Hunter Johnson","startTime":1920.17,"endTime":1922.9,"body":"captives, single parent"},{"speaker":"Hunter Johnson","startTime":1922.9,"endTime":1926.17,"body":"captives, things like that to,"},{"speaker":"Hunter Johnson","startTime":1922.9,"endTime":1926.17,"body":"to provide insurance. I"},{"speaker":"Tim Montague","startTime":1926.17,"endTime":1928.24,"body":"didn't understand"},{"speaker":"Tim Montague","startTime":1926.17,"endTime":1928.24,"body":"those last two things you said?"},{"speaker":"Hunter Johnson","startTime":1929.26,"endTime":1931.6000000000001,"body":"Yeah, so captive"},{"speaker":"Hunter Johnson","startTime":1929.26,"endTime":1931.6000000000001,"body":"insurance is getting really"},{"speaker":"Hunter Johnson","startTime":1931.6000000000001,"endTime":1936.19,"body":"popular, both on the utility"},{"speaker":"Hunter Johnson","startTime":1931.6000000000001,"endTime":1936.19,"body":"scale side to some extent, but"},{"speaker":"Hunter Johnson","startTime":1936.19,"endTime":1941.44,"body":"more more, more prevalent on the"},{"speaker":"Hunter Johnson","startTime":1936.19,"endTime":1941.44,"body":"installer side. Okay, so yeah,"},{"speaker":"Hunter Johnson","startTime":1941.44,"endTime":1945.67,"body":"so a captive very simply is an"},{"speaker":"Hunter Johnson","startTime":1941.44,"endTime":1945.67,"body":"insurance company that's wholly"},{"speaker":"Hunter Johnson","startTime":1945.67,"endTime":1950.56,"body":"owned by its, by its members, by"},{"speaker":"Hunter Johnson","startTime":1945.67,"endTime":1950.56,"body":"its insurance. And so you, you"},{"speaker":"Hunter Johnson","startTime":1950.56,"endTime":1953.77,"body":"know, maybe have a group of"},{"speaker":"Hunter Johnson","startTime":1950.56,"endTime":1953.77,"body":"people that say, Hey, we are"},{"speaker":"Hunter Johnson","startTime":1953.77,"endTime":1957.16,"body":"tired of having to buy insurance"},{"speaker":"Hunter Johnson","startTime":1953.77,"endTime":1957.16,"body":"in the marketplace, and we're"},{"speaker":"Hunter Johnson","startTime":1957.16,"endTime":1960.7,"body":"tired of seeing 10% to 10%"},{"speaker":"Hunter Johnson","startTime":1957.16,"endTime":1960.7,"body":"increases every year, we think"},{"speaker":"Hunter Johnson","startTime":1960.7,"endTime":1964.3600000000001,"body":"we can provide our own insurance"},{"speaker":"Hunter Johnson","startTime":1960.7,"endTime":1964.3600000000001,"body":"more efficiently. And so you go"},{"speaker":"Hunter Johnson","startTime":1964.3600000000001,"endTime":1969.6100000000001,"body":"out with either other members or"},{"speaker":"Hunter Johnson","startTime":1964.3600000000001,"endTime":1969.6100000000001,"body":"by yourself and go by or go"},{"speaker":"Hunter Johnson","startTime":1970.15,"endTime":1972.94,"body":"solicit the same services, you"},{"speaker":"Hunter Johnson","startTime":1970.15,"endTime":1972.94,"body":"know, actuaries attorneys,"},{"speaker":"Hunter Johnson","startTime":1972.94,"endTime":1976.45,"body":"accountants, running paper, you"},{"speaker":"Hunter Johnson","startTime":1972.94,"endTime":1976.45,"body":"know, all those types of things."},{"speaker":"Hunter Johnson","startTime":1977.05,"endTime":1981.31,"body":"You're able to underwrite your"},{"speaker":"Hunter Johnson","startTime":1977.05,"endTime":1981.31,"body":"own own losses, your own risk,"},{"speaker":"Hunter Johnson","startTime":1981.3700000000001,"endTime":1984.97,"body":"and then you're kind of"},{"speaker":"Hunter Johnson","startTime":1981.3700000000001,"endTime":1984.97,"body":"insulated from, you know, with"},{"speaker":"Hunter Johnson","startTime":1984.97,"endTime":1988.3,"body":"the with the marketplace is"},{"speaker":"Hunter Johnson","startTime":1984.97,"endTime":1988.3,"body":"seeing from a trend standpoint."},{"speaker":"Hunter Johnson","startTime":1989.05,"endTime":1992.65,"body":"So that is becoming much more"},{"speaker":"Hunter Johnson","startTime":1989.05,"endTime":1992.65,"body":"popular for larger installers"},{"speaker":"Hunter Johnson","startTime":1992.65,"endTime":1993.1000000000001,"body":"right now."},{"speaker":"Tim Montague","startTime":1995.41,"endTime":1998.32,"body":"Fascinating."},{"speaker":"Tim Montague","startTime":1995.41,"endTime":1998.32,"body":"Sounds like is, I"},{"speaker":"Hunter Johnson","startTime":1998.65,"endTime":2000.69,"body":"think so most"},{"speaker":"Hunter Johnson","startTime":1998.65,"endTime":2000.69,"body":"people fall asleep by now."},{"speaker":"Tim Montague","startTime":2002.13,"endTime":2004.6200000000001,"body":"It sounds like in"},{"speaker":"Tim Montague","startTime":2002.13,"endTime":2004.6200000000001,"body":"a way, that's like a buying Co"},{"speaker":"Tim Montague","startTime":2004.6200000000001,"endTime":2008.4,"body":"Op. There's an organization"},{"speaker":"Tim Montague","startTime":2004.6200000000001,"endTime":2008.4,"body":"called Amicus in the solar"},{"speaker":"Tim Montague","startTime":2008.4,"endTime":2013.08,"body":"industry, I don't know if you're"},{"speaker":"Tim Montague","startTime":2008.4,"endTime":2013.08,"body":"familiar. At and where"},{"speaker":"Tim Montague","startTime":2013.08,"endTime":2016.5,"body":"installers can, you know, they"},{"speaker":"Tim Montague","startTime":2013.08,"endTime":2016.5,"body":"they join this they pay an"},{"speaker":"Tim Montague","startTime":2016.5,"endTime":2021.15,"body":"annual fee, and then they"},{"speaker":"Tim Montague","startTime":2016.5,"endTime":2021.15,"body":"participate in in a group I have"},{"speaker":"Tim Montague","startTime":2021.15,"endTime":2026.73,"body":"equipment and thereby achieve a"},{"speaker":"Tim Montague","startTime":2021.15,"endTime":2026.73,"body":"discount. Is that a good analogy"},{"speaker":"Tim Montague","startTime":2026.73,"endTime":2029.73,"body":"to this captive insurance"},{"speaker":"Tim Montague","startTime":2026.73,"endTime":2029.73,"body":"phenomena? Yeah,"},{"speaker":"Hunter Johnson","startTime":2029.73,"endTime":2033.15,"body":"from a 35,000"},{"speaker":"Hunter Johnson","startTime":2029.73,"endTime":2033.15,"body":"foot level, yes, that there"},{"speaker":"Hunter Johnson","startTime":2033.15,"endTime":2037.05,"body":"could be a good way to put in it"},{"speaker":"Hunter Johnson","startTime":2033.15,"endTime":2037.05,"body":"really is, if we're coming"},{"speaker":"Hunter Johnson","startTime":2037.05,"endTime":2042.51,"body":"together, in we are providing"},{"speaker":"Hunter Johnson","startTime":2037.05,"endTime":2042.51,"body":"our own insurance, and we're"},{"speaker":"Hunter Johnson","startTime":2042.51,"endTime":2045.24,"body":"able to do it more cost"},{"speaker":"Hunter Johnson","startTime":2042.51,"endTime":2045.24,"body":"effectively and more"},{"speaker":"Hunter Johnson","startTime":2045.24,"endTime":2049.5299999999997,"body":"transparently than we can in the"},{"speaker":"Hunter Johnson","startTime":2045.24,"endTime":2049.5299999999997,"body":"marketplace. You know, exactly"},{"speaker":"Hunter Johnson","startTime":2049.5299999999997,"endTime":2052.83,"body":"how much of your dollars are"},{"speaker":"Hunter Johnson","startTime":2049.5299999999997,"endTime":2052.83,"body":"going to pay for those fixed"},{"speaker":"Hunter Johnson","startTime":2052.83,"endTime":2055.77,"body":"cost services that you need to"},{"speaker":"Hunter Johnson","startTime":2052.83,"endTime":2055.77,"body":"find. And then you also know how"},{"speaker":"Hunter Johnson","startTime":2055.77,"endTime":2059.13,"body":"many of your dollars are going"},{"speaker":"Hunter Johnson","startTime":2055.77,"endTime":2059.13,"body":"to pay claims. And if you, you"},{"speaker":"Hunter Johnson","startTime":2059.13,"endTime":2062.88,"body":"know, pay less claims, then you"},{"speaker":"Hunter Johnson","startTime":2059.13,"endTime":2062.88,"body":"set aside to or do you have less"},{"speaker":"Hunter Johnson","startTime":2062.88,"endTime":2066.69,"body":"claims and you set aside to pay"},{"speaker":"Hunter Johnson","startTime":2062.88,"endTime":2066.69,"body":"for that difference gets"},{"speaker":"Hunter Johnson","startTime":2066.69,"endTime":2069.54,"body":"returned to the members versus"},{"speaker":"Hunter Johnson","startTime":2066.69,"endTime":2069.54,"body":"just going to the profitability"},{"speaker":"Hunter Johnson","startTime":2069.54,"endTime":2072.87,"body":"of the insurance company that"},{"speaker":"Hunter Johnson","startTime":2069.54,"endTime":2072.87,"body":"underwrote the policy. And so"},{"speaker":"Hunter Johnson","startTime":2072.87,"endTime":2077.37,"body":"it's a very creative way, and"},{"speaker":"Hunter Johnson","startTime":2072.87,"endTime":2077.37,"body":"it's a great fit for the right"},{"speaker":"Hunter Johnson","startTime":2077.37,"endTime":2078.0899999999997,"body":"organization."},{"speaker":"Tim Montague","startTime":2081.75,"endTime":2086.5499999999997,"body":"So in our last few"},{"speaker":"Tim Montague","startTime":2081.75,"endTime":2086.5499999999997,"body":"minutes together, together, what"},{"speaker":"Tim Montague","startTime":2086.5499999999997,"endTime":2090.06,"body":"else you know, is on your mind,"},{"speaker":"Tim Montague","startTime":2086.5499999999997,"endTime":2090.06,"body":"what keeps you up at night? What"},{"speaker":"Tim Montague","startTime":2090.06,"endTime":2096.18,"body":"are you? What are you both"},{"speaker":"Tim Montague","startTime":2090.06,"endTime":2096.18,"body":"excited and, you know, concerned"},{"speaker":"Tim Montague","startTime":2096.18,"endTime":2099.75,"body":"about with regards to the"},{"speaker":"Tim Montague","startTime":2096.18,"endTime":2099.75,"body":"direction that the industry is"},{"speaker":"Tim Montague","startTime":2099.75,"endTime":2104.2200000000003,"body":"going? I mean, we're massively"},{"speaker":"Tim Montague","startTime":2099.75,"endTime":2104.2200000000003,"body":"growing the industry now. Right."},{"speaker":"Tim Montague","startTime":2104.88,"endTime":2111.9300000000003,"body":"And, you know, today, solar is"},{"speaker":"Tim Montague","startTime":2104.88,"endTime":2111.9300000000003,"body":"around 5% of the grid, you know,"},{"speaker":"Tim Montague","startTime":2111.96,"endTime":2118.3500000000004,"body":"it by 2050, it's going to be 50%"},{"speaker":"Tim Montague","startTime":2111.96,"endTime":2118.3500000000004,"body":"of the grid. It's, it's going to"},{"speaker":"Tim Montague","startTime":2118.3500000000004,"endTime":2125.01,"body":"10x. And and so that's, that's a"},{"speaker":"Tim Montague","startTime":2118.3500000000004,"endTime":2125.01,"body":"huge shift that is is happening."},{"speaker":"Tim Montague","startTime":2126.33,"endTime":2129.3,"body":"So I'm curious, yeah, what what"},{"speaker":"Tim Montague","startTime":2126.33,"endTime":2129.3,"body":"is the future look like? And"},{"speaker":"Tim Montague","startTime":2129.3,"endTime":2130.98,"body":"what is it that keeps you up at"},{"speaker":"Tim Montague","startTime":2129.3,"endTime":2130.98,"body":"night?"},{"speaker":"Hunter Johnson","startTime":2132.33,"endTime":2135.63,"body":"I think the"},{"speaker":"Hunter Johnson","startTime":2132.33,"endTime":2135.63,"body":"future looks bright, I think I"},{"speaker":"Hunter Johnson","startTime":2135.63,"endTime":2141.21,"body":"100% certainty 50% of the grid"},{"speaker":"Hunter Johnson","startTime":2135.63,"endTime":2141.21,"body":"will be hopefully solar, the"},{"speaker":"Hunter Johnson","startTime":2141.2400000000002,"endTime":2147.9900000000002,"body":"100% certainty with renewables"},{"speaker":"Hunter Johnson","startTime":2141.2400000000002,"endTime":2147.9900000000002,"body":"by 2050. I think the thing that"},{"speaker":"Hunter Johnson","startTime":2147.9900000000002,"endTime":2151.9800000000005,"body":"keeps me up at night is that"},{"speaker":"Hunter Johnson","startTime":2147.9900000000002,"endTime":2151.9800000000005,"body":"renewables and solar should not"},{"speaker":"Hunter Johnson","startTime":2151.9800000000005,"endTime":2156.96,"body":"be a partisan issue at the state"},{"speaker":"Hunter Johnson","startTime":2151.9800000000005,"endTime":2156.96,"body":"level. And up had different"},{"speaker":"Hunter Johnson","startTime":2156.96,"endTime":2159.57,"body":"states that are much further"},{"speaker":"Hunter Johnson","startTime":2156.96,"endTime":2159.57,"body":"along and adapting this"},{"speaker":"Hunter Johnson","startTime":2159.57,"endTime":2163.0200000000004,"body":"technology and implementing it"},{"speaker":"Hunter Johnson","startTime":2159.57,"endTime":2163.0200000000004,"body":"into the overall you know,"},{"speaker":"Hunter Johnson","startTime":2163.0200000000004,"endTime":2166.6800000000003,"body":"production, energy production,"},{"speaker":"Hunter Johnson","startTime":2163.0200000000004,"endTime":2166.6800000000003,"body":"the state, the some states that"},{"speaker":"Hunter Johnson","startTime":2166.6800000000003,"endTime":2169.8900000000003,"body":"are you know, laggards for"},{"speaker":"Hunter Johnson","startTime":2166.6800000000003,"endTime":2169.8900000000003,"body":"variety different reasons of,"},{"speaker":"Hunter Johnson","startTime":2170.19,"endTime":2174.21,"body":"you know, the cost of"},{"speaker":"Hunter Johnson","startTime":2170.19,"endTime":2174.21,"body":"electricity in certain states is"},{"speaker":"Hunter Johnson","startTime":2174.21,"endTime":2178.4100000000003,"body":"significantly lower than others,"},{"speaker":"Hunter Johnson","startTime":2174.21,"endTime":2178.4100000000003,"body":"but that's the, that's the part"},{"speaker":"Hunter Johnson","startTime":2178.4100000000003,"endTime":2182.9700000000003,"body":"that keeps me up at night is you"},{"speaker":"Hunter Johnson","startTime":2178.4100000000003,"endTime":2182.9700000000003,"body":"know, overall, it's great for an"},{"speaker":"Hunter Johnson","startTime":2182.9700000000003,"endTime":2185.6400000000003,"body":"economy to insulate, you know,"},{"speaker":"Hunter Johnson","startTime":2182.9700000000003,"endTime":2185.6400000000003,"body":"integrate solar into the into"},{"speaker":"Hunter Johnson","startTime":2185.6400000000003,"endTime":2189.4800000000005,"body":"the grid, I think, and it"},{"speaker":"Hunter Johnson","startTime":2185.6400000000003,"endTime":2189.4800000000005,"body":"creates jobs, it's, you know,"},{"speaker":"Hunter Johnson","startTime":2189.4800000000005,"endTime":2196.17,"body":"it's a good thing. And I just"},{"speaker":"Hunter Johnson","startTime":2189.4800000000005,"endTime":2196.17,"body":"hope that all states can, you"},{"speaker":"Hunter Johnson","startTime":2196.17,"endTime":2199.38,"body":"know, can adapt that and, you"},{"speaker":"Hunter Johnson","startTime":2196.17,"endTime":2199.38,"body":"know, advance the industry"},{"speaker":"Hunter Johnson","startTime":2199.4100000000003,"endTime":2203.13,"body":"nationwide, because I would hate"},{"speaker":"Hunter Johnson","startTime":2199.4100000000003,"endTime":2203.13,"body":"to see polar bears. 50% of the"},{"speaker":"Hunter Johnson","startTime":2203.13,"endTime":2206.5800000000004,"body":"grid but continue to be isolated"},{"speaker":"Hunter Johnson","startTime":2203.13,"endTime":2206.5800000000004,"body":"in certain geographic areas of"},{"speaker":"Hunter Johnson","startTime":2206.5800000000004,"endTime":2210.9900000000002,"body":"the country. So that's the one"},{"speaker":"Hunter Johnson","startTime":2206.5800000000004,"endTime":2210.9900000000002,"body":"thing that I hope we improve"},{"speaker":"Hunter Johnson","startTime":2210.9900000000002,"endTime":2211.38,"body":"upon."},{"speaker":"Tim Montague","startTime":2212.7900000000004,"endTime":2216.2400000000002,"body":"Well, so do we,"},{"speaker":"Tim Montague","startTime":2212.7900000000004,"endTime":2216.2400000000002,"body":"there's no doubt about that."},{"speaker":"Tim Montague","startTime":2216.6000000000004,"endTime":2221.0400000000004,"body":"It's frustrating that solar is a"},{"speaker":"Tim Montague","startTime":2216.6000000000004,"endTime":2221.0400000000004,"body":"regional phenomenon. And that"},{"speaker":"Tim Montague","startTime":2222.1200000000003,"endTime":2224.7000000000003,"body":"it's so different just crossing"},{"speaker":"Tim Montague","startTime":2222.1200000000003,"endTime":2224.7000000000003,"body":"the border, you know, you go"},{"speaker":"Tim Montague","startTime":2224.7000000000003,"endTime":2227.2200000000003,"body":"from Illinois to Indiana, or"},{"speaker":"Tim Montague","startTime":2224.7000000000003,"endTime":2227.2200000000003,"body":"Illinois or Missouri for that"},{"speaker":"Tim Montague","startTime":2227.2200000000003,"endTime":2230.1000000000004,"body":"matter. And it's night and day,"},{"speaker":"Tim Montague","startTime":2227.2200000000003,"endTime":2230.1000000000004,"body":"right. Yeah. It's"},{"speaker":"Hunter Johnson","startTime":2230.1000000000004,"endTime":2232.5000000000005,"body":"funny that I"},{"speaker":"Hunter Johnson","startTime":2230.1000000000004,"endTime":2232.5000000000005,"body":"live in Missouri and, you know,"},{"speaker":"Hunter Johnson","startTime":2232.5000000000005,"endTime":2235.4700000000003,"body":"do business Missouri, Arkansas,"},{"speaker":"Hunter Johnson","startTime":2232.5000000000005,"endTime":2235.4700000000003,"body":"Illinois, I mean, just the"},{"speaker":"Hunter Johnson","startTime":2235.4700000000003,"endTime":2240.3300000000004,"body":"difference between those three"},{"speaker":"Hunter Johnson","startTime":2235.4700000000003,"endTime":2240.3300000000004,"body":"states is, is tremendous. So"},{"speaker":"Hunter Johnson","startTime":2240.3300000000004,"endTime":2243.7200000000003,"body":"yeah, hopefully one of these"},{"speaker":"Hunter Johnson","startTime":2240.3300000000004,"endTime":2243.7200000000003,"body":"days we'll be on the same page"},{"speaker":"Hunter Johnson","startTime":2244.5600000000004,"endTime":2246.96,"body":"on the same playing field, at"},{"speaker":"Hunter Johnson","startTime":2244.5600000000004,"endTime":2246.96,"body":"least. I"},{"speaker":"Tim Montague","startTime":2246.96,"endTime":2250.8300000000004,"body":"mean, my gut tells"},{"speaker":"Tim Montague","startTime":2246.96,"endTime":2250.8300000000004,"body":"me, You must be working a lot in"},{"speaker":"Tim Montague","startTime":2250.8300000000004,"endTime":2253.8300000000004,"body":"Illinois, out of those three"},{"speaker":"Tim Montague","startTime":2250.8300000000004,"endTime":2253.8300000000004,"body":"states, like there's a lot more"},{"speaker":"Tim Montague","startTime":2253.8300000000004,"endTime":2256.38,"body":"solar happening in Illinois than"},{"speaker":"Tim Montague","startTime":2253.8300000000004,"endTime":2256.38,"body":"any of the other two isn't"},{"speaker":"Tim Montague","startTime":2256.38,"endTime":2256.59,"body":"there?"},{"speaker":"Hunter Johnson","startTime":2256.6200000000003,"endTime":2260.3700000000003,"body":"Yep. Yeah, there"},{"speaker":"Hunter Johnson","startTime":2256.6200000000003,"endTime":2260.3700000000003,"body":"is. In you know, we work"},{"speaker":"Hunter Johnson","startTime":2260.3700000000003,"endTime":2265.3500000000004,"body":"nationwide. We work in Florida,"},{"speaker":"Hunter Johnson","startTime":2260.3700000000003,"endTime":2265.3500000000004,"body":"Texas, the Carolinas, Illinois,"},{"speaker":"Hunter Johnson","startTime":2265.4100000000003,"endTime":2269.61,"body":"Ohio, is that, that's, that's"},{"speaker":"Hunter Johnson","startTime":2265.4100000000003,"endTime":2269.61,"body":"where a lot of the activity is,"},{"speaker":"Hunter Johnson","startTime":2269.7000000000003,"endTime":2272.19,"body":"and then, you know, Alliant"},{"speaker":"Hunter Johnson","startTime":2269.7000000000003,"endTime":2272.19,"body":"nationally, we're headquartered"},{"speaker":"Hunter Johnson","startTime":2272.19,"endTime":2276.7200000000003,"body":"in California. So we do a ton in"},{"speaker":"Hunter Johnson","startTime":2272.19,"endTime":2276.7200000000003,"body":"California as well. Okay. Which"},{"speaker":"Hunter Johnson","startTime":2276.7200000000003,"endTime":2278.67,"body":"is all all good for solar."},{"speaker":"Hunter Johnson","startTime":2276.7200000000003,"endTime":2278.67,"body":"Right."},{"speaker":"Tim Montague","startTime":2279.7200000000003,"endTime":2282.03,"body":"That explains"},{"speaker":"Tim Montague","startTime":2279.7200000000003,"endTime":2282.03,"body":"probably why we're talking"},{"speaker":"Tim Montague","startTime":2282.03,"endTime":2287.1000000000004,"body":"actually, you know, yeah, yeah,"},{"speaker":"Tim Montague","startTime":2282.03,"endTime":2287.1000000000004,"body":"Alliant is an early adopter,"},{"speaker":"Tim Montague","startTime":2287.1000000000004,"endTime":2292.5600000000004,"body":"because California was an early"},{"speaker":"Tim Montague","startTime":2287.1000000000004,"endTime":2292.5600000000004,"body":"adopter. And it's the it's the"},{"speaker":"Tim Montague","startTime":2292.5600000000004,"endTime":2295.5600000000004,"body":"most mature market. I mean,"},{"speaker":"Tim Montague","startTime":2292.5600000000004,"endTime":2295.5600000000004,"body":"outside of Hawaii. It's the most"},{"speaker":"Tim Montague","startTime":2295.5600000000004,"endTime":2300.9900000000002,"body":"mature market why it's just a"},{"speaker":"Tim Montague","startTime":2295.5600000000004,"endTime":2300.9900000000002,"body":"very small market. Cool. Well, I"},{"speaker":"Tim Montague","startTime":2300.9900000000002,"endTime":2304.7400000000002,"body":"will I want to thank you for"},{"speaker":"Tim Montague","startTime":2300.9900000000002,"endTime":2304.7400000000002,"body":"your time hunter. I look forward"},{"speaker":"Tim Montague","startTime":2304.7400000000002,"endTime":2309.1800000000003,"body":"to hopefully having some of our"},{"speaker":"Tim Montague","startTime":2304.7400000000002,"endTime":2309.1800000000003,"body":"listeners reach out to you and"},{"speaker":"Tim Montague","startTime":2309.1800000000003,"endTime":2312.42,"body":"get their questions answered."},{"speaker":"Tim Montague","startTime":2309.1800000000003,"endTime":2312.42,"body":"You can find all this content at"},{"speaker":"Tim Montague","startTime":2312.42,"endTime":2316.17,"body":"clean power hour.com Give us a"},{"speaker":"Tim Montague","startTime":2312.42,"endTime":2316.17,"body":"rating and a review on Apple and"},{"speaker":"Tim Montague","startTime":2316.17,"endTime":2319.2300000000005,"body":"Spotify. I mean that in all"},{"speaker":"Tim Montague","startTime":2316.17,"endTime":2319.2300000000005,"body":"sincerity, it really helps"},{"speaker":"Tim Montague","startTime":2319.5000000000005,"endTime":2323.01,"body":"others find the content, and"},{"speaker":"Tim Montague","startTime":2319.5000000000005,"endTime":2323.01,"body":"subscribe to our YouTube"},{"speaker":"Tim Montague","startTime":2323.01,"endTime":2326.4,"body":"channel. Hit that bell, please"},{"speaker":"Tim Montague","startTime":2323.01,"endTime":2326.4,"body":"reach out to me on LinkedIn. I"},{"speaker":"Tim Montague","startTime":2326.4,"endTime":2329.5200000000004,"body":"love hearing from our listeners"},{"speaker":"Tim Montague","startTime":2326.4,"endTime":2329.5200000000004,"body":"or at Clean Power hour.com."},{"speaker":"Tim Montague","startTime":2329.88,"endTime":2331.5600000000004,"body":"Hunter, how can our listeners"},{"speaker":"Tim Montague","startTime":2329.88,"endTime":2331.5600000000004,"body":"find you?"},{"speaker":"Hunter Johnson","startTime":2333.1200000000003,"endTime":2336.69,"body":"You can find me"},{"speaker":"Hunter Johnson","startTime":2333.1200000000003,"endTime":2336.69,"body":"on LinkedIn also@alliant.com."},{"speaker":"Hunter Johnson","startTime":2336.69,"endTime":2339.8700000000003,"body":"That's our website. We have a"},{"speaker":"Hunter Johnson","startTime":2336.69,"endTime":2339.8700000000003,"body":"lot of this information that we"},{"speaker":"Hunter Johnson","startTime":2339.8700000000003,"endTime":2343.7400000000002,"body":"discussed today posted there."},{"speaker":"Hunter Johnson","startTime":2339.8700000000003,"endTime":2343.7400000000002,"body":"But yes, feel free to reach out"},{"speaker":"Hunter Johnson","startTime":2343.7400000000002,"endTime":2348.3300000000004,"body":"to me. And I'm sure my contact"},{"speaker":"Hunter Johnson","startTime":2343.7400000000002,"endTime":2348.3300000000004,"body":"information will be lifted here"},{"speaker":"Hunter Johnson","startTime":2348.3300000000004,"endTime":2350.0400000000004,"body":"with the Fonda podcast as well."},{"speaker":"Tim Montague","startTime":2351.1200000000003,"endTime":2354.4800000000005,"body":"Awesome. Well,"},{"speaker":"Tim Montague","startTime":2351.1200000000003,"endTime":2354.4800000000005,"body":"without I'll say, have a great"},{"speaker":"Tim Montague","startTime":2354.4800000000005,"endTime":2357.3300000000004,"body":"weekend. And let's grow solar"},{"speaker":"Tim Montague","startTime":2354.4800000000005,"endTime":2357.3300000000004,"body":"and storage. Thanks so much."},{"speaker":"Hunter Johnson","startTime":2358.32,"endTime":2360.2400000000002,"body":"Thanks, Jim."},{"speaker":"Hunter Johnson","startTime":2358.32,"endTime":2360.2400000000002,"body":"Appreciate the time."},{"speaker":"Tim Montague","startTime":2360.96,"endTime":2365.67,"body":"Hey, listeners."},{"speaker":"Tim Montague","startTime":2360.96,"endTime":2365.67,"body":"This is Tim, I want to give a"},{"speaker":"Tim Montague","startTime":2365.67,"endTime":2370.7700000000004,"body":"shout out to all of you. I do"},{"speaker":"Tim Montague","startTime":2365.67,"endTime":2370.7700000000004,"body":"this for you twice a week. Thank"},{"speaker":"Tim Montague","startTime":2370.7700000000004,"endTime":2375.0000000000005,"body":"you for being here. Thank you"},{"speaker":"Tim Montague","startTime":2370.7700000000004,"endTime":2375.0000000000005,"body":"for giving us your time. I"},{"speaker":"Tim Montague","startTime":2375.0000000000005,"endTime":2379.71,"body":"really appreciate you and what"},{"speaker":"Tim Montague","startTime":2375.0000000000005,"endTime":2379.71,"body":"you're all about. You are part"},{"speaker":"Tim Montague","startTime":2379.71,"endTime":2382.17,"body":"and parcel of the energy"},{"speaker":"Tim Montague","startTime":2379.71,"endTime":2382.17,"body":"transition, whether you're an"},{"speaker":"Tim Montague","startTime":2382.17,"endTime":2386.7000000000003,"body":"energy professional today, or an"},{"speaker":"Tim Montague","startTime":2382.17,"endTime":2386.7000000000003,"body":"aspiring energy professional. So"},{"speaker":"Tim Montague","startTime":2386.7000000000003,"endTime":2391.59,"body":"thank you, I want to let you"},{"speaker":"Tim Montague","startTime":2386.7000000000003,"endTime":2391.59,"body":"know that the Clean Power Hour"},{"speaker":"Tim Montague","startTime":2391.59,"endTime":2397.2300000000005,"body":"has launched a listener survey."},{"speaker":"Tim Montague","startTime":2391.59,"endTime":2397.2300000000005,"body":"And it would mean so much to me."},{"speaker":"Tim Montague","startTime":2397.4700000000003,"endTime":2403.05,"body":"If you would go to clean power"},{"speaker":"Tim Montague","startTime":2397.4700000000003,"endTime":2403.05,"body":"hour.com. Click on the About Us"},{"speaker":"Tim Montague","startTime":2403.11,"endTime":2406.7700000000004,"body":"link right there on the main"},{"speaker":"Tim Montague","startTime":2403.11,"endTime":2406.7700000000004,"body":"navigation that takes you to the"},{"speaker":"Tim Montague","startTime":2406.7700000000004,"endTime":2410.6400000000003,"body":"about page. And you'll see a big"},{"speaker":"Tim Montague","startTime":2406.7700000000004,"endTime":2410.6400000000003,"body":"graphic listener survey, just"},{"speaker":"Tim Montague","startTime":2410.6400000000003,"endTime":2414.84,"body":"click on that graphic, and it"},{"speaker":"Tim Montague","startTime":2410.6400000000003,"endTime":2414.84,"body":"takes just a couple of minutes."},{"speaker":"Tim Montague","startTime":2415.3500000000004,"endTime":2419.1000000000004,"body":"If you fill out the survey, I"},{"speaker":"Tim Montague","startTime":2415.3500000000004,"endTime":2419.1000000000004,"body":"will send you a lovely baseball"},{"speaker":"Tim Montague","startTime":2419.1000000000004,"endTime":2424.53,"body":"cap with our logo on it. The"},{"speaker":"Tim Montague","startTime":2419.1000000000004,"endTime":2424.53,"body":"other thing I want our listeners"},{"speaker":"Tim Montague","startTime":2424.53,"endTime":2431.7300000000005,"body":"to know is that this podcast is"},{"speaker":"Tim Montague","startTime":2424.53,"endTime":2431.7300000000005,"body":"made possible by corporate"},{"speaker":"Tim Montague","startTime":2431.7300000000005,"endTime":2436.3500000000004,"body":"sponsors. We have chin power"},{"speaker":"Tim Montague","startTime":2431.7300000000005,"endTime":2436.3500000000004,"body":"systems, the leading three phase"},{"speaker":"Tim Montague","startTime":2436.3500000000004,"endTime":2440.82,"body":"string inverter manufacturer in"},{"speaker":"Tim Montague","startTime":2436.3500000000004,"endTime":2440.82,"body":"North America. So check out CPS"},{"speaker":"Tim Montague","startTime":2440.82,"endTime":2445.6800000000003,"body":"America. But we are very"},{"speaker":"Tim Montague","startTime":2440.82,"endTime":2445.6800000000003,"body":"actively looking for additional"},{"speaker":"Tim Montague","startTime":2445.6800000000003,"endTime":2450.8700000000003,"body":"support to make this show work."},{"speaker":"Tim Montague","startTime":2445.6800000000003,"endTime":2450.8700000000003,"body":"And you see here our media kit."},{"speaker":"Tim Montague","startTime":2451.32,"endTime":2455.01,"body":"With all the sponsor benefits"},{"speaker":"Tim Montague","startTime":2451.32,"endTime":2455.01,"body":"and statistics about the show."},{"speaker":"Tim Montague","startTime":2455.01,"endTime":2458.5800000000004,"body":"You know we're dropping two"},{"speaker":"Tim Montague","startTime":2455.01,"endTime":2458.5800000000004,"body":"episodes a week. We have now"},{"speaker":"Tim Montague","startTime":2458.5800000000004,"endTime":2462.9,"body":"over 320,000 downloads on"},{"speaker":"Tim Montague","startTime":2458.5800000000004,"endTime":2462.9,"body":"YouTube. And we're getting about"},{"speaker":"Tim Montague","startTime":2462.9,"endTime":2467.9100000000003,"body":"45,000 downloads per month. So"},{"speaker":"Tim Montague","startTime":2462.9,"endTime":2467.9100000000003,"body":"this is a great way to bring"},{"speaker":"Tim Montague","startTime":2467.9100000000003,"endTime":2471.78,"body":"your brand to our listeners and"},{"speaker":"Tim Montague","startTime":2467.9100000000003,"endTime":2471.78,"body":"our listeners our decision"},{"speaker":"Tim Montague","startTime":2471.78,"endTime":2475.6800000000003,"body":"makers in clean energy. This"},{"speaker":"Tim Montague","startTime":2471.78,"endTime":2475.6800000000003,"body":"includes projects executives,"},{"speaker":"Tim Montague","startTime":2475.9800000000005,"endTime":2480.6600000000003,"body":"engineers, finance, project"},{"speaker":"Tim Montague","startTime":2475.9800000000005,"endTime":2480.6600000000003,"body":"management, and many other"},{"speaker":"Tim Montague","startTime":2480.6600000000003,"endTime":2485.9100000000003,"body":"professionals who are making"},{"speaker":"Tim Montague","startTime":2480.6600000000003,"endTime":2485.9100000000003,"body":"decisions about and developing,"},{"speaker":"Tim Montague","startTime":2485.94,"endTime":2490.6800000000003,"body":"designing, installing and making"},{"speaker":"Tim Montague","startTime":2485.94,"endTime":2490.6800000000003,"body":"possible clean energy projects."},{"speaker":"Tim Montague","startTime":2490.6800000000003,"endTime":2495.8100000000004,"body":"So check out clean power"},{"speaker":"Tim Montague","startTime":2490.6800000000003,"endTime":2495.8100000000004,"body":"hour.com both our listener"},{"speaker":"Tim Montague","startTime":2495.8100000000004,"endTime":2500.9700000000003,"body":"survey on the about us and our"},{"speaker":"Tim Montague","startTime":2495.8100000000004,"endTime":2500.9700000000003,"body":"media kit and become a sponsor"},{"speaker":"Tim Montague","startTime":2500.9700000000003,"endTime":2505.17,"body":"today. Thank you so much let's"},{"speaker":"Tim Montague","startTime":2500.9700000000003,"endTime":2505.17,"body":"go solar and storage"}]}