Heat cuts output when production peaks
Solar panels lose efficiency as module temperature rises. Every manufacturer publishes a temperature coefficient for it, and it is a property of the technology rather than a defect.
An Alabama summer produces exactly the conditions where that matters: strong irradiance with high ambient temperature and humidity, so modules run well above the standard test conditions their rated output assumes.
A model that applies irradiance without a temperature correction will overstate summer output, which is when most annual generation happens.
Ask what module temperature the estimate assumed and what temperature coefficient it applied. An installer working Alabama seriously will answer without hesitating.
The rest of the estimate
Ask for the annual figure in kilowatt hours per year rather than only as a dollar saving, so production and rate assumptions can be checked separately.
Ask what data source produced it and whether it applies location-specific irradiance for your address rather than a regional average.
Ask what shading analysis was done and what it assumed about tree growth over the system life. Auburn area lots are frequently wooded and canopy modelled at today height will overstate output in ten years.
Ask what soiling losses and annual degradation it applied. A model holding production flat across twenty-five years overstates the back half of the projection.
Then set the charges against it
Once you trust the production figure, split it into self-consumed and exported. The first is worth around 16 cents per kWh, the second roughly 3 to 5.
Then subtract the Capacity Reservation Charge, $5.41 per kW of installed capacity per month, as an explicit annual figure. On a typical system that is close to $470 a year.
What remains is your actual annual saving. Compare that against the installed cost to get a payback you can rely on rather than one built from gross production.
Ask for the projection laid out exactly that way. It is four lines and it is the only version that tells you what the system will really do.
Costing it out with the recurring charge included
Strike the federal residential credit from any quote showing it, and do not expect a state credit in its place, because Alabama has none.
Rebuild from a production estimate that includes temperature derating, soiling and degradation, split into self-consumed and exported generation.
Value those at the retail rate and the buyback rate respectively, then subtract the Capacity Reservation Charge as an annual figure if you are on Alabama Power.
Ask for that four-line version in writing. In a state with charges working against you, a gross savings figure is not a number you can act on.