What happened to Lumio

Lumio was a large residential solar installer operating in 16 states, California among them. It filed for Chapter 11 bankruptcy in September 2024 in the District of Delaware. On November 1, 2024, Zeo Energy Corp. completed its acquisition of Lumio's assets.

Chapter 11 with an asset sale is not the same thing as a shutdown, and that is precisely why Lumio customers are confused. Something survived. The question is whether your system was part of it.

The date that decides it

Per the reporting on the acquisition, Zeo acquired most active solar projects that had not reached Permission to Operate — PTO, the utility's sign-off that lets a system switch on — before November 1, 2024, and stated it intended to complete installations under agreements Lumio had entered into.

The implication runs the other way too. If your system already had Permission to Operate before November 1, 2024, it was not part of that group. We can find no public source confirming that Zeo assumed Lumio's workmanship warranties on already-completed systems, and we are not going to tell you it did. If your system was switched on before that date, treat the installation warranty as an open question and get it answered in writing rather than assumed.

Your PTO date is on the paperwork from your utility — SDG&E, SCE, or PG&E depending on where you are. If you cannot find it, the utility can tell you.

What holds either way

Manufacturer warranties are unaffected. Panel, inverter, and battery warranties come from Enphase, SolarEdge, Tesla, and the module makers — not from Lumio and not from Zeo. They survive any of this. Filing a claim generally requires a licensed contractor to diagnose the failure, pull the part, and complete the documentation. We handle that for our customers, and in many cases we can replace failed equipment at no cost to you under the manufacturer's warranty.

Your financing is a separate contract. Loans and leases were written with lenders, not with Lumio, and they continue regardless of who owns the installer's assets.

Monitoring is worth checking today. Portals registered under an installer's account are the single most common way a system quietly underproduces for months. We re-register yours under your own name.

What we do

• A $399 solar and roof inspection report, credited toward your job — production audit against what your system should be making, wiring and connector inspection, and a look at every roof penetration the original crew made. Findings in writing.
• Diagnostics and repair under an active C-10 electrical license — failed microinverters, optimizers, arc faults, rapid-shutdown issues, and the manufacturer warranty claims that go with them.
• Monitoring restoration — getting your Enphase, SolarEdge, or Tesla portal registered under your own name so you can see what the system is actually doing.
• Detach-and-reset for reroofs — we hold roofing (C-39), general building (B), and electrical (C-10) under one company, so one crew removes the array, replaces the roof, and reinstalls the system. No finger-pointing between two contractors.
• Battery retrofits — adding storage to an existing array, sized for NEM 3.0 economics if your system is on the newer tariff.

Estimates are always free — no deposit, no pressure. CSLB #1130793.

Where we work

McKay Roofing and Solar is based in San Diego — 9520 Padgett St, Suite 107 — and has been at this since 1981. We hold a California state contractor's license, CSLB #1130793, covering general building (B), electrical (C-10), and roofing (C-39), and we take work across Southern California. If you are outside San Diego County, call and we will tell you plainly whether we can get a crew to you and what that looks like. We would rather say no on the phone than waste your afternoon.

Not sure who actually installed your system?

Many installs were sold by one company and built by another — the installer of record is on your building permit. We keep a guide for each major closed installer in Southern California; the full directory is here. A few of the big ones:

• Titan Solar Power · SunPower · PetersenDean · Sungevity
• Sullivan Solar Power · Freedom Forever · Vivint Solar · Swell Energy

The practical next step

Find your PTO date, then find out how the system is actually performing. If it is underproducing, that is either a warranty claim worth filing or a repair worth making — and either way it is money. One visit gives you the written picture, and the $399 report is credited in full toward the work if you hire us.