Overview & Disclaimer
All sales of a LightReach New Home plan require a small number of administrative items to be cleared in order to achieve M0 (notice to proceed). These standard items are required on every sale. They are designed to:
Protect the homeowner by verifying their identity and intent to pay
Protect LR and Certified Installers by affirming the sale
Ensure all payment milestones can be completed in a timely fashion
NTP (M0) status signals that the homeowner has been qualified and completed their requirements.
Freedom within the Framework: It is the responsibility of the installer to ensure site and installation meet all requirements detailed on our knowledge base.
Standard NTP Requirements
The fastest path to NTP is through the homeowner's web portal account. Web portal invites are sent simultaneously with the contract via Email (accessible via web browser or via app download). Homeowner portal link: home.palmetto.com
Disclaimer: The LightReach underwriting team is not permitted to receive documents via SMS/chat for security and compliance reasons
Item | Details |
Accept Terms and Conditions |
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Web Portal Account Sign Up | Homeowners will complete all NTP requirements via their home.palmetto.com account (accessible via web browser or via app download).
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ID
| All homeowners must complete identity verification. The homeowner web portal is the secure option to upload the ID for auto verification.
Acceptable Documents:
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Contract | The LightReach contract is sent to the homeowners email via DocuSign
Alternate signing option: Homeowners can sign the contract within their online portal account
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ACH | All homeowners must complete ACH setup. The homeowner web portal is the secure option to upload the banking information
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Clear Facts Disclosure | A simple, non-invasive order summary.
Homeowner 'checks' key details of their Energy Plan and 'signs off' on their order details. This feature helps recap key order details and reinforces the sale. Completed in a matter of seconds.
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Sales Rep ReCheck Verification | Recheck verification required for all sales reps selling Solar (inclusive of New Homes) and Energy Backup products.
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Administrative Stipulations
Installers may see a stipulation applied on customer accounts in the LightReach portal, typically applied the next business day after a contract has been signed. The two most common stipulations are consumer protection-related.
[1] The Customer Action Required (CAR) Stipulation:
How Customers Clear the Stipulation: (takes 1-2 minutes)
Sign in to their home.palmetto.com account
Open the Key Contract Details Review task
Review the information, check the boxes, "sign" & submit.
Upon completion, the stipulation will automatically clear
This stipulation has a similar look and feel to our Clear Facts Disclosure NTP task, and features a more robust secondary checklist. It is applied when higher-risk factors are identified on the customer's account, including but not limited to age (All customers over the age of 65 are eligible for the stip). The stipulation can only be deployed after the initial sale, typically the next business day after a contract has been signed.
[2] The Consumer Compliance Details Stipulation:
LightReach may require secondary verification from installers on accounts with higher-risk factors, at the discretion of our underwriters. Higher-risk factors include but are not limited to pricing, age, or market NPS scores. In such instances, installers are responsible for providing LightReach with a reasonable copy of the installer's verification step(s). View full details and context on our installer compliance guide here.
A | Cash, Checks, Credit Card accepted? | No, cash, checks or Credit Card payments are not supported for payment setup. ACH is the only payment setup option at this time, PLR may offer to expand payment options in the future. |
B | Sign Up vs Log In | SIGN UP: Customers are sent a unique sign up invitation via email at point of sale. Single click to complete sign up.
LOGIN: Once the customer has completed their sign up, they can login anytime at home.palmetto.com using their email. OTP (One time passcodes) are used for sign ins. No traditional password setup necessary.
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C | Homeowner hasn't completed & terms and conditions but it is appearing complete? | If you have a completed credit application ran for a homeowner, it will automatically check off the the "Accept Terms & Conditions" step. |
E | Can the customer use the same email for multiple projects?
| Customers can have one email per unique property address. This ensures customers can monitor each individual system with an individual login.
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F | Does the customer get a copy of the Clear Facts Disclosure after they sign? | Yes, a copy is emailed to the customer once they have completed the task in the customer portal.
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