Lumio · all states · updated 2026-09-08

Lumio went bankrupt. Here's what to do if they installed your solar.

Lumio, of Lehi, Utah, was one of the largest door-to-door solar sellers in the country until it filed Chapter 11 in Delaware on September 3, 2024. The filing was sold as a reorganization. It ended as a liquidation: the court approved a sale of nearly all the assets to Zeo Energy on November 1, 2024, the plan went effective on February 18, 2025, and a liquidation trustee now holds what is left. If Lumio sold you a system, the panels are still yours, the loan is still due, and the company that promised to stand behind the work no longer exists. This page is the calm version of what that means.

Run the free check right here

Four numbers from your inverter or old app. The result compares what your system has produced with what one like it should have produced at your address. No account, no sales call.

ZIP code Used only to look up typical sunlight for your area.

System size, kW On your contract, permit, or utility interconnection letter. Or count panels and multiply by 0.4.

Install date The month is close enough. Use the first of the month if you're not sure.

Lifetime production, kWh (usually thousands, not the system size) The "lifetime" or "total energy" number on your inverter's screen, or in the old monitoring app if it still opens. Where to find it, by brand.

Roof details, optional

Roof pitch, degrees

Direction panels face, degrees South is 180. West is 270. East is 90.

Email, to save your result We'll send the result and a reminder in a year to check again. Nothing else. No list is sold, ever.

Your result

of expected

Your system has produced
A system like yours should have produced
Time in service
Weather station used

How this was calculated

Expected production comes from PVWatts, the federal solar model from the National Laboratory of the Rockies (formerly NREL), using typical-year weather for your area, your system size, and a fixed roof mount at the pitch and direction given. It's summed month by month from your install date to today, with a small allowance for normal panel aging. Your actual number comes from you. The comparison is only as good as those inputs.

Thresholds: 85 percent or above reads as normal, because weather, shade, and dust easily account for that much. Between 65 and 85 percent is worth a look. Below 65 percent, something is usually wrong.

This is a production comparison, not an inspection. It cannot detect electrical faults, wiring damage, or safety problems, and a "normal" result does not mean the system is safe. If you smell burning, see scorch marks, or hear buzzing at the inverter, turn the system off at the disconnect and call a licensed electrician.

Getting a quote from another company? Run the quote check before you sign: price, production, financing, tax credit, and whether they will be around.

What you lost

Lumio's workmanship warranty and any production guarantee in your contract. Both are now claims against a liquidation trust, not promises anyone will honor on your roof
The Lumio phone line, the service department, and anyone who knew your system's history
Any promise made at the door that was not written into the contract

What you kept

The hardware. Lumio installed other companies' panels and inverters, and those manufacturers warrant their own equipment for 10 to 25 years, to you, whether or not Lumio exists
Your monitoring app, in most cases. Lumio did not run its own portal; your app belongs to the inverter maker and does not know Lumio is gone. Check whose name the account is in
Your utility interconnection and net metering agreement
Your loan or lease, unfortunately. It was made by a lender and is serviced by whoever holds it now

What actually happened

Lumio Holdings and Lumio HX filed on September 3, 2024 in the District of Delaware (case 24-11916, jointly administered). The company said at the time that it would keep operating and that customer claims would be assumed by the buyer. The buyer that emerged was Zeo Energy, a Florida installer, which paid $4 million in cash plus about 6.2 million shares of its stock for substantially all of Lumio's assets. That sale closed on November 6, 2024. What Zeo took on was the open pipeline: contracts that had not reached permission to operate by November 1, 2024, along with inventory, records, and the Lumio name. If your system was already switched on before then, you were not part of that deal. The remaining estate went into a liquidation plan that took effect February 18, 2025, with a trustee winding it down.

Two things follow. First, if Lumio sold you a system that was never finished, Zeo Energy is the company that agreed to finish it, and that is where to start. Second, if your system was already running, nobody bought your warranty. It is a claim in the case, and the case is a liquidation.

Your app is probably fine. Here's the catch.

Lumio systems report to the inverter maker's cloud, not to Lumio. Enphase, SolarEdge, Tesla, and the others keep running whether the installer exists or not. The catch is that many Lumio accounts were created under a Lumio email address, so the homeowner has guest access or none. The brand guides walk through getting the account transferred into your own name, brand by brand. Do it now, while it is a paperwork task rather than an emergency. Not sure which inverter you have? Look at the wall.

This week

Run the free check above. It tells you whether the system is producing what a system like yours should at your address. Most are. Knowing that is the difference between a paperwork problem and a roof problem.
Register every serial number with the manufacturer, under your own name. Panels, inverter or microinverters, battery. Lumio almost certainly did not. Registration is free and it is what makes a claim go smoothly years from now.
Get the monitoring account into your name. Brand guides above.
Find your loan servicer. It is on your latest statement, not on anything Lumio sent you. That company is who you deal with about payments, payoff letters, and the UCC fixture filing on your title when you sell.
Save the paperwork. Contract, panel layout, permit, interconnection approval, any production guarantee page. Photograph every equipment label. The Report Card puts all of it on one dated page.
File a proof of claim if your contract carried a production guarantee or you have an unpaid workmanship problem. Unsecured claims in a liquidation pay little or nothing, but they pay nothing at all if you never file. The case site is cases.stretto.com/lumio.

If Lumio never finished your install

Zeo Energy took on the contracts that had not reached permission to operate by November 1, 2024. If yours is one of them, contact Zeo directly with your contract number and ask for the status in writing. If Zeo says your contract was not among those it assumed, the loan question comes first: if a lender funded the install before it was finished, ask the lender in writing what was disbursed and for what, and keep every answer. A financed system that was never completed is the one situation where the lender may have a reason to pause or restructure, and the paper trail is what makes that conversation possible. Check the permit status with your county too; an unfinished install often means an open permit that will surface when you sell.

Questions Lumio owners keep asking

Is my 25-year warranty gone?: The 25-year warranty on the panels is the panel maker's and it stands. The 25-year or 10-year workmanship warranty was Lumio's and it is gone. Roof penetrations, wiring, and racking are the parts that were only ever covered by workmanship, so a roofer's look at the mount flashings is worth a visit if the system is more than a few years old.
Did Zeo Energy take over my warranty?: Not for systems that were already operating. Zeo bought the unfinished contracts, the inventory, and the name. If a company tells you it "took over" your Lumio system, ask what exactly it took over and get it in writing before paying anything.
My system underproduces and the contract had a guarantee.: Run the free check to put a dated number on the shortfall, then file a proof of claim for it. If the shortfall is large, check the panel layout in your app: a run of dead microinverters or a tripped string is a manufacturer warranty claim, which is a different and better path than the bankruptcy.
What if I'm selling the house?: Buyers and inspectors get nervous when the installer's name comes up in a bankruptcy search. The selling guide covers the loan, the UCC filing, and what the inspector will ask, and the Home Sale Packet puts it on one page the buyer can read.

The one-page version. The Solar Report Card puts your production verdict, your serials mapped to the manufacturer warranties, and the steps to get monitoring into your own name on one dated document you can keep with the house papers. $19.

See the documents

Sources

Lumio Holdings, Inc., case 24-11916 (JKS), U.S. Bankruptcy Court for the District of Delaware, claims site at cases.stretto.com/lumio (filing September 3, 2024; effective date February 18, 2025; liquidation trustee VRS Restructuring Services). Zeo Energy Corp. press release, "Zeo Energy Corp. and Lumio Complete Sale Transaction," November 6, 2024, and Zeo's Form 10-Q for the period, for the purchase price and the permission-to-operate cutoff. pv magazine, "US residential solar installer Lumio files for bankruptcy," September 5, 2024. If any of this is wrong for your system, email jon@solarstillworks.com and the page gets fixed.