FAQs

HEAT PUMPS - FAQs

Payment amounts will depend on the amount financed. Our interest rate is 8% and the term is 120 months (10 years).Once you have a quote, go to our payment schedule to view payment amounts in $500 increments, from $2500 (minimum loan amount) to $18,000 (maximum loan amount when financing 2 units.)

Applicants must have an SVEC account with a satisfactory payment history in their name at the property of installation. Applicants must also be the owner of the home and the property where the home is located. Applicant’s must also meet the SVEC credit score requirement.

You can use a cosigner that also has a 12-month satisfactory pay history on an account with SVEC.

Our heat pump financing program is for existing homes only.

There is no down payment required however, we do require a non-refundable, $25.00 application fee.

In most cases, we can have a loan decision in 1-2 business days. Loan approvals are good for 90 days from the date of approval.

To participate in the Heat Pump Financing Program, you must use someone from our Qualified Contractor Network. We will provide you with that list and recommend you obtain at least 2-3 quotes from different contractors.

Currently there are no rebates available for new heat pumps, but that could change in the future. There are energy tax credits available, but those would need to be discussed with you tax preparer.

SVEC will file a lien on your property with the Register of Deeds in your county. You will be required to pay off the loan amount prior to selling your home. Loans cannot be transferred to new property owners.

All maintenance questions and concerns should be discussed with your contractor. You are not required to use a QCN member for maintenance.

Pre-Paid Metering - FAQs

With PPM, payments are scheduled at your convenience. Payments may be made with credit/debit card or check here on the SVEC website, via the SVEC mobile app, via telephone or pay with cash in person at any SVEC service center. Once an initial credit balance has been established, minimum payments of $40.00 may be made at any time.

As a PPM participant, you will not receive monthly statements. You may access your account balance information 24 hours a day here on the SVEC website or with the SVEC mobile app. You may also call your local SVEC service center or visit any SVEC office. When your PPM balance is low, you will receive a courtesy notification via text message or e-mail. If your account balance reaches $20.00, it is subject to disconnection. If the account is disconnected, a reconnection fee must be paid along with a purchase of at least $40.00 in electricity to re-establish a credit balance.

PPM participants pay the same energy rates and customer charge as all residential customers. PPM customers pay a small service charge per month to cover the added costs of providing this service.

PPM includes a debt recovery program that makes it easy to budget the payment of past due balances. When participants enroll, half of unpaid balances are collected with thirty percent (30%) of each PPM payment automatically applied to any existing debt until the debt is satisfied. If there is an existing deposit, it is applied to the new PPM account.

Enrollment in SVEC's Pre-Paid Metering is easy. Complete an application for the service and submit it to your local SVEC service center. A $125 initial payment to the PPM account is required for enrollment, that includes a $25 connection fee and $100 towards energy. If you have an existing deposit on your account, that deposit amount will be applied to the PPM account balance.

PPM is not available to commercial or industrial accounts or to some residential accounts enrolled in certain programs or not meeting metering size guidelines. Be sure to read and understand the PPM program requirements and restrictions included on the enrollment form before your sign up.

Steps To Install Your System - FAQs

Key Roles: You

Start by making your home more energy efficient. It will allow you to install a smaller renewable energy system and save money. Here’s where to begin:

  • Complete a free TVA Energy Audit. The results will be a helpful guide in making choices about how to reduce your overall electricity consumption. Take the Energy Checkup.

Choose your contractor: check the How to Choose Your Contractor section for tips on this very important step.

Key Roles: Your Contractor

After you and your contractor choose the appropriate renewable energy system for your home, the contractor fills out an application to connect your system to the SVEC electric grid. Your contractor processes the application paperwork and you must sign the Interconnection Agreement. Here’s what to do next:

  • Check on rebates. Find out about TVA incentive programs and ask your contractor whether you qualify for rebates.

Timeline:

Ensure that your contractor fills out the Interconnection Agreement application early so that you can start generating energy shortly after your system passes State of Tennessee inspections.

Key Roles: Your contractor

Before installation, talk to your contractor to choose a delivery date and get a time estimate for completion. Your contractor ensures the delivery of the energy system and completes the installation at your home.

Timeline:

Installation generally takes a few days to a few weeks to complete, depending on any unique conditions of your home or system.

Key Roles: Your contractor and city or county inspectors

To obtain a final building permit, your renewable energy system must pass city or county inspections for safety and code compliance.

For safety reasons, don’t turn on your system until SVEC gives you official written permission to operate it.

Timeline:

The timeframe depends on the city or county requirements. Help avoid delays by ensuring that your contractor has arranged for the building permit and scheduled the inspections.

Key Roles: Your contractor and SVEC

To get permission to operate your system, your contractor submits all required paperwork to SVEC. The paperwork includes the Interconnection Application, a line diagram of the system and a copy of the final building permit. After SVEC approves the documents, we’ll send you official written permission to operate.

Timeline:

After SVEC receives the required paperwork from your contractor, permission to operate your system typically takes 5 to 10 business days, up to a maximum of 30 business days. TIP: Include your email address on the Interconnection Application to receive approval faster by email.

PLEASE NOTE: During the SVEC engineering system review, we may determine that upgrades are needed to support your renewable system. These upgrades may incur a cost and cause delay.

The SVEC App - Faqs

Our Mobile Apps are native Apps that can be downloaded and installed on your compatible mobile device, while the Mobile Web App is a web portal that runs directly in the mobile browser on your smart phone or other mobile device. Both the native Apps and the Mobile Web App give you secure access to maintain your account information, to view your bills and your payment history, to manage your alerts and reminders, and to make payments on one or more accounts directly from your mobile device.

The native Apps also allow you to register your accounts to receive push notifications for account milestones, such as an approaching or a missed due date. Push notifications are not available through the Mobile Web App.

Our Mobile Apps are supported on the following platforms:

  • iOS 7.0 (iPhone, iPod touch, and/or iPad)
  • Android 4.4

Our Mobile Web App version supports the following browser:

  • Google Chrome on Android OS 2.2 and above
  • Safari on iOS 4.2 and above
  • Internet Explorer on Windows Phone 7
  • BlackBerry browser on BlackBerry OS 6 and above

Yes! All critical information is encrypted in every transaction run through the Apps and the Mobile Web App, and no personal information is stored on your mobile device. However, mobile devices do offer you the ability to store your login information for apps installed on the device. If you choose to store your login information, any person who has access to your mobile device can access your account.

Both the Mobile Apps and the Mobile Web App give you the ability to view your accounts, view your bills, make secure payments directly from your mobile device, view your payment history, modify or maintain your subscriptions for alerts and reminders, view the outage map and/or report an outage and contact us via email or phone. You'll also get direct links to our Facebook and Twitter pages.

Once you've installed a Mobile App on your phone, you'll also have the ability to receive push notifications and view a map of our offices and payment locations.

Simply look for our name in the App Store or in the Android Market. In the Android Market, if you can't find our App, that likely means your phone is not supported - see the list of supported operating systems.

No. Our Mobile App is completely free to download and install.

Yes. Once you've logged in, you'll be directed to a list of all of your accounts. To see the details for a specific account, simply select that account and the details will display above the list of accounts.

If you only have one account, the details for that account will show up as soon as you log in.

Yes. From the list of accounts, either select the option to pay all accounts, or select specific accounts for your payment. You can also make a payment to a single account by selecting the payment option when that specific account's details are displayed.

The information you see in the Mobile App and in the Mobile Web App is shown in real-time, so it's always accurate. However, if you keep your Mobile App or Mobile Web App open for an extended period of time, you should refresh the page by selecting a new option in order to ensure the information is still current.

Our App will display PDF versions of your available bills using the PDF reader you have on your smart device. We support and recommend the Adobe PDF reader for the best results on Android devices. On Android devices, if you do not have the Adobe PDF reader already installed, our App will prompt you to install it from the Android Market to ensure you are able to display and view your PDF bills correctly.

The first time you launch the App after installing it on your mobile device, you'll be asked whether or not you want to enable push notifications for our App on your device. Select OK to enable push notifications. Next, be sure to select each individual account and enable the "Notify" option for every account you want to receive push notifications on this specific device.

If you have our App installed on multiple devices, don't forget to enable push notifications for your accounts on each device, as the push notification settings for each account are device-specific.

You do not have to log in to view addresses or maps to our office locations or even to get our contact information. Simply open the App and use the "Locations" link at the bottom of the login screen.

The SVEC App - Faqs

A: Maybe.  

Whether and how much you will benefit from a residential solar array depends on …
•    how much you pay for electricity
•    how much electricity you use
•    state and local incentives for solar development

Be sure and check out the Solar Calculator to determine the benefit vs. cost.

A: Maybe.  

  • Is your property shaded? If considering rooftop solar, does your home face south or west?
  • If considering rooftop solar, will you need to replace your roof sometime during the life of the panels?  If so, you should replace your roof first.
  • Have you explored all your energy efficiency options? (It doesn’t make sense to purchase more solar than you need!) We can help you reduce your energy use and right-size your array.
  • Does your community have restrictions?

A: Not entirely. 

Most solar panels do not provide electricity 24/7, so your home still needs reliable and safe electricity from SVEC. Your monthly SVEC bill will have a monthly charge and any energy delivered to you when your solar panels cannot provide enough electricity. These base charges are necessary to cover the operating and maintenance cost of having electricity available for your home.

A: If you are purchasing a solar array, be sure to ask…

  • What is the total installed (turnkey) cost of the system?
  • What is the payback period? What are the assumptions underlying that estimate?
  • Will I need to finance the array?
  • Who gets the tax credits (the “renewable energy credit”)?
  • Will I receive “free” electricity once panels are paid for?
  • Does the company offer warranties on panels AND inverters?
  • What are the details of the service contract?

A: Research.

When you make the decision to invest in residential solar, you are making a significant financial investment.  Be sure to do your research on the company.

  • Are the installers North American Board of Certified Energy Practitioners (NABCEP) Solar Photovoltaic (PV) Electric trained and certified?
  • When was your company established and how much solar has it installed to date?
  • Can your company provide a list of the projects and references for them?
  • Are you accredited with the Better Business Bureau? If so, what is your rating?

Tree & Vegetation Management - Faqs

Yes, SVEC prunes a two-foot radius around services (from the SVEC power line to the home) during our regular six-year pruning cycle. If there is an emergency, we will look at it on a case by case basis.

SVEC adheres to the American National Standards Institute (ANSI) A300, Standard Practices for Trees, Shrubs and Other Woody Plant Maintenance. This standard, endorsed by the International Society of Arboriculture and the National Arborist Association, requires that tree-trimmers cut branches back to the parent limb. This practice allows the pruning cuts to “heal” rapidly, reducing the chances of insect and disease damage, and promotes a healthier regrowth of branches that are directed away from the power lines.

Pruning considerations include species of tree, growth and regrowth rate, location of trees in proximity of power-lines, construction, length of pruning cycle, natural tree shape and branching pattern, general tree condition, appearance after pruning and tree-owner input.

SVEC uses the “natural-trimming” method. With natural trimming the branches are pruned back to a natural point of growth in the crown of the tree. Natural trimming is healthier than tree “topping,” which is the indiscriminate cutting back of tree branches to reduce the size of the tree crown. Although topping generally leaves the tree with a more uniform or balanced appearance, the International Society of Arboriculture (ISA) calls topping “perhaps the most harmful pruning practice known.” According to the ISA, topping stresses trees and can make them more vulnerable to insect, disease and infections, resulting in rapid decay.

SVEC employs a highly trained staff of foresters who have college degrees and experience in forestry or natural resources and are certified arborists through the International Society of Arboriculture. The right-of-way team is responsible for directing the work of contract line-clearance crews.

It is essential that tree trimming be done properly to ensure tree health and safe, dependable electric service. To assure that proper tree trimming and removal is performed, SVEC contracts with professional line-clearance tree-trimming firms. These firms are required to be licensed to work in SVEC’s service area and must adhere to all standards, guidelines and laws governing the performance of tree work. Each contract employee receives ongoing training to achieve and maintain line-clearance tree-trimmer certification by the Occupational Safety and Health Association. Identification cards are issued to employees of the tree-trimming firms contracted by SVEC.

The following priorities are followed in determining when and where tree-trimming will be done:

  • Reports of outages caused by trees
  • Areas where trees have been damaged by storms
  • During regular tree-trimming cycles
  • Based on periodic inspections by SVEC
  • Reports from customers indicating potential tree/power-line problems

Trees that interfere with or have a potential for interfering with power lines will be trimmed or removed. There are, however, two exceptions:

  1. Trees that interfere with service wires from SVEC poles to the member’s house or building and yard-light wires will not normally be trimmed until the routine trimming cycle. SVEC does not remove trees along service wires. However, arrangements can be made to have service wires temporarily removed to permit the property owner or a contactor to remove any trees necessary. Members must contact SVEC several days in advance for SVEC to temporarily remove service wires. This service is not available on weekends or holidays and may be delayed due to emergency work.
  2. SVEC will not trim trees near streetlights to improve illumination.

If SVEC requires that a tree be trimmed, all branches and wood cut from the tree will be removed from the property. The property owner may keep any portion of the branches or wood if desired.  The removal of a tree will require a signed form stating the property owner’s approval for tree removal. Tree Removals are a case-by-case situation and will require an SVEC arborist to take a look beforehand. SVEC will not cut wood to uniform length or stack the wood. Trees to be removed will be cut as close to ground level as possible, but SVEC does not remove stumps.

Trees or limbs that have fallen during storms are the responsibility of the property owner. The property owner is also responsible for the disposal of all limbs and wood resulting from the trimming of storm damaged trees during SVEC’s service-restoration efforts.

SVEC respects the property of its member-owners and will notify the property owner of the need for tree work before trimming is done. However, in unusual situations it may be necessary to trim trees without notification in order to restore service or eliminate safety hazards. Right-of-way provisions, easements, covenants and SVEC’s service agreement with our customers grant SVEC the authority to trim trees without property owner permission, however, every effort is made to communicate with the member to alleviate concerns.

SVEC recommends the removal of trees that will require extensive trimming on a regular basis. But trees will not be removed without the property owner’s permission.

Wood not wanted by the property owner will be made available to the public with the following considerations:

  • Persons who want wood on private property need to make arrangements with the property owner
  • Wood will not be cut to uniform size or any smaller than necessary for normal handling
  • Wood will not be loaded into private vehicles or trailers
  • Wood will not be stacked or separated
  • When it is cost-effective to do so, wood and wood chips may be placed on private or public property with approval of the property owner

SVEC will assist property owners and/or their commercial contractors, at their request, with the trimming and removal of trees that are near SVEC electric wires. SVEC contractors are to trim only along electrical lines during normal SVEC working hours. However, to request tree-trimming that is not near electrical lines, members can ask the contracting crew about possible jobs on the side after normal SVEC working hours.

Yes, in order to maintain reliable electrical service to our members, we do use herbicides to control brush under the power lines. We selectively target only those species that will grow into the lines and will choose only areas of right-of-way that are not maintained by some other means.

Yards, gardens, hay/livestock fields and other maintained areas will not be sprayed.

The products used for treatment have been approved for use by the EPA and the State of Tennessee and are applied using a combination of backpack and truck sprayers.

Herbicide treatment is normally done in the spring and summer. We issue notices in the SVEC member newsletter when it is time to spray.

If you have any questions or concerns regarding the use of herbicides or our line clearance operations, please use the contact form below to send us a message.

Svecares - Faqs

Simply put, SVECares gathers voluntary contributions from co-op members by rounding up their monthly electric bill to the next highest dollar. For example: if your bill is $48.63, SVEC would round it up to $49.00. The additional 37 cents would go to the SVECares fund.

Monthly contributions per member average 50 cents, for a yearly average donation of $6 per members. It’s small change but if all SVEC members join, we could “round up” about $180,000 a year to help our neighbors in need.

SVECares may be used for local projects such as fire fighting equipment for volunteer fire departments; life-saving equipment for ambulance or rescue squads; hospice programs; youth programs; food shelves; clothing, shelter and medical services following an accident or storm; and all types of individual needs. All of the funds go directly back into our communities. Donations are not limited to these categories. SVECares funds may not be used for political purposes or to pay electric or gas bills.

Five community residents—all members of the co-op — have been appointed to the SVECares board by the SVEC board of directors to:

  • Evaluate requests for SVECares
  • Determine how the money will be used

Citizens appointed to the SVECares board have a strong concern for their community and possess a desire to see that help is provided where it will do the most good. SVECares board members volunteer their time and receive no pay or compensation for serving on the board.

SVEC members can opt out of the voluntary SVECares program at any time. Just enclose a note in your electric bill, call your local service center for assistance or submit this form to opt out.

Careers - Faqs

This institution is an equal opportunity provider and employer.

If you wish to file a Civil Rights program complaint of discrimination, complete the USDA Program Discrimination Complaint Form, found online at http://www.ascr.usda.gov/complaint_filing_cust.html(link is external) or at any USDA office, or call (866) 632-9992 to request the form. You may also write a letter containing all of the information requested in the form. Send your completed complaint form or letter to us by mail at U.S. Department of Agriculture, Director, Office of Adjudication, 1400 Independence Avenue, S.W., Washington, D.C. 20250-9410, by fax (202) 690-7442 or email at program.intake@usda.gov.