Terrain and trees, together
Surrounding mountains shade low sun angles, particularly in winter when the sun is already low. That is a location-specific effect that latitude alone does not predict.
North-west Montana lots are also frequently heavily wooded, and mature conifers cast dense shade that does not thin seasonally the way deciduous canopy does.
Ask what shading analysis was performed, whether it accounted for terrain as well as vegetation, and what it assumed about tree growth over the twenty-five year system life.
Ask for the production estimate in kilowatt hours per year with the data source named and location-specific irradiance for your address rather than a regional figure.
Snow, and how the array sheds it
Snow on an array produces no electricity until it clears, and in north-west Montana it can stay for extended periods.
Ask what snow allowance the production model applied and how it was derived, since a model built from generic irradiance without a snow adjustment is describing a milder place.
Ask about tilt specifically. A steeper tilt sheds snow more readily and shifts output toward spring and autumn, which in a snowy climate is often a better trade than maximising a summer peak.
Ask about mounting and whether shed snow would land somewhere that causes a problem, such as over a walkway, a doorway or a driveway.
Then take that into the design
Once you trust the production figure, compare it against your last twelve months of consumption month by month rather than as annual totals.
Ask for the credit balance tracked through to the annual settle-up, since unused credit at that point is granted to the utility without compensation.
A balance that rises through summer and returns toward zero describes a well-matched system. One that only climbs describes an oversized one, and in a shaded, snowy location an oversized system is an expensive way to compensate for a poor site.
If the site is genuinely constrained, ask what a smaller system returns. Sometimes the honest answer is that the roof is not the right one, and an installer willing to say so is worth listening to.
What survives, and what to ask for
The 30 percent federal Residential Clean Energy Credit under Section 25D expired for property placed in service after December 31, 2025, so a cash or loan purchase receives no federal tax credit. Confirm the state position with the Montana Department of Revenue.
Section 48E survives at 30 percent for third-party owners under leases and power purchase agreements, so ask what a provider claims and what reaches you in the rate.
What exists is net metering with credits accumulating across the year and unused credit forfeited at the annual settle-up.
Ask for a location-specific production estimate accounting for terrain, vegetation, tree growth and snow, with the credit balance tracked to the settle-up month.