Nothing in the stack absorbs an overstatement
The 30 percent federal Residential Clean Energy Credit under Section 25D expired for property placed in service after December 31, 2025, and West Virginia has no state solar tax credit.
Section 48E, the commercial credit, survives at 30 percent for third-party owners under leases and power purchase agreements. The provider claims it, and whether any value reaches you depends on the rate offered.
So for a cash purchase the incentive column is empty, and the entire return is production multiplied by value, over a long horizon.
That is the argument for spending diligence on those two numbers rather than on negotiating price per watt. The cheapest quote built on an inflated estimate is not the cheapest project.
Interrogating the production estimate
Ask for the annual figure in kilowatt hours per year rather than only as a dollar saving, so the production and value assumptions can be checked separately.
Ask what data source produced it and whether it applies location-specific irradiance for your address. West Virginia terrain creates real variation between properties a short distance apart.
Ask what shading analysis was done and what it assumed about tree growth over the system life. Wooded lots are common here and a model built on today canopy will overstate output in ten years.
Ask what annual degradation it applied. A model holding production flat across a fourteen-year payback and beyond overstates the later years substantially.
And what each kilowatt hour is worth
Ask which retail rate the projection used and check it against a recent bill, and ask whether fixed monthly charges were included since they do not fall with consumption.
Ask how the model treated generation you do not consume. That earns credited generation at the applicable rate rather than the retail rate, and the two should appear as separate lines.
Ask what escalation the projection applied on the retail side, and whether it assumed anything on the export or credited rate. Those move independently and should be handled separately.
Ask to see the projection at zero escalation. With no incentives left, the escalator is the only remaining lever a quote can pull to improve the headline.
Building the number from the meter and the credit
Strike the federal residential credit from any quote showing it, and do not expect a state credit in its place, because West Virginia has none.
Rebuild from retail value for self-consumed generation and credited generation at the rate applicable to your utility and tier.
Ask your county assessor how residential solar is treated for property assessment at your address, since that is administered locally.
Then ask for the projection in writing with production in kilowatt hours, the rate from your own bill, fixed charges included, both values separated and a version at zero escalation.