Lumio Solar Filed for Bankruptcy: Who Services Lumio Systems in California Now?

Lumio Holdings, Inc. and affiliate Lumio HX, Inc. filed Chapter 11 on September 3, 2024 in the U.S. Bankruptcy Court for the District of Delaware, lead case 24-11916 before Judge J. Kate Stickles, carrying approximately $300 million of principal debt.

The court entered its sale order on October 28, 2024, approving the sale of the debtors' assets free and clear of liens to Zeo Energy Corp. pursuant to an Asset Purchase Agreement dated October 25, 2024.

A Zeo spokesperson confirmed in a public statement that "Zeo has no contractual or other relationship with Lumio customers whose projects were completed before the bankruptcy," and that Zeo "does not have the contractual right or legal ability to service Lumio systems completed before the bankruptcy, or any projects it did not acquire."

Last verified: October 2026 by Helios Energy Global.

If your Lumio system was switched on — received Permission to Operate (PTO) from your utility — before November 6, 2024, there is currently no court-confirmed successor servicer for your California installation. This page explains what that means for your loan, your monitoring, your warranties, and your options when something breaks.

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What the bankruptcy court record shows

Lumio Holdings scaled to 37 states through a five-company roll-up. After an initial $100 million White Oak credit bid fell away, the assets were sold to Zeo Energy Corp. for $4 million in cash plus 6,206,897 shares of Zeo stock and assumed liabilities.

Per Zeo's SEC filings, the company agreed to acquire Lumio's assets on an "as-is, where-is basis," including uninstalled residential solar energy contracts, certain inventory, intellectual property, equipment, records, and goodwill — free and clear of any liens other than certain specified liabilities.

In November 2024, Zeo began serving customers for whom Lumio HX, Inc. had begun but not completed residential energy systems prior to the completion of its bankruptcy, primarily in California, Maryland, New Jersey, North Carolina, Oklahoma, and South Carolina. The operative word is "not completed." The assets Zeo acquired included certain uninstalled or partially completed residential solar energy contracts — including projects where a third-party leasing company (either Palmetto Solar, LLC d/b/a LightReach, or Sunnova) owns the solar energy system.

A liquidating plan routed remaining estate assets into a trust that, more than a year after emergence, is still reconciling roughly 950 proofs of claim and prosecuting adversary litigation against former insiders.

Lumio's wind-down plan took effect on February 18, 2025, when a liquidating trustee took over.

The full case docket is publicly accessible at the U.S. Bankruptcy Court for the District of Delaware under case 24-11916. The court's sale order (docket item 305, entered October 28, 2024) is the primary document governing what Zeo did and did not assume. No primary court document reviewed for this article names a successor servicer for already-completed California installations.

California contractor license status

A third-party permit database (BuildZoom) shows that Lumio HX, Inc. held California electrical contractor license number 1097040, with an expiration date of September 30, 2024 — just before the sale closed — and that the license was subsequently shown as inactive and cancelled. Helios has not independently verified this record against the CSLB's own live database; homeowners can confirm current status at no cost at cslb.ca.gov. No active California CSLB license for Lumio Holdings, Inc. or Lumio HX, Inc. has been identified in this research.

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The date that determines your situation

The single most important fact for a California Lumio customer is whether your system had received Permission to Operate (PTO) from your utility before November 6, 2024.

System status as of Nov 6, 2024	What Zeo acquired	Installer warranty status
PTO granted — system already operating	Not acquired by Zeo	Lumio warranty effectively unenforceable; no confirmed successor
Sold but not yet installed or PTO pending	Acquired by Zeo	Contact Zeo Energy (Sunergy) to confirm your project status
Lease/PPA — system owned by LightReach or Sunnova	Finance company retains ownership obligations	Contact your finance company directly

If your system was already producing power before that date, you are in the larger group: your system was not part of the group Zeo acquired, and no public source confirms that Zeo assumed Lumio's workmanship warranties on already-completed systems. If your system was switched on before that date, treat the installation warranty as an open question and get it answered in writing.

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Who holds your loan, lease, or PPA — and why that matters

Your financial obligation did not disappear with Lumio. The bankruptcy generally did not cancel your solar loan. If a third-party lender financed your system, that lender is a separate company and its debt survives the installer's bankruptcy entirely.

Common Lumio finance partners in California:

• Sunnova Energy — If your contract shows Sunnova as the system owner (lease or PPA) or loan servicer, Sunnova remains your counterparty. Note that Sunnova itself has faced its own financial difficulties; see our related guide on who services Sunnova solar systems in California for current status.
• LightReach (Palmetto Solar) — Zeo's SEC filings confirm that some Lumio projects involved LightReach as the third-party leasing company that owns the system. If LightReach is named on your agreement, Palmetto/LightReach retains ownership and maintenance obligations under the lease terms.
• Third-party solar loans (GoodLeap, Mosaic, Dividend, etc.) — These are direct lending relationships. The lender is owed the money regardless of Lumio's status; contact your lender's customer service line, which appears on your monthly statement.

What to do right now: Pull your original contract and locate the finance company's name and customer service number. That is the entity you call for billing questions, payoff amounts, and — if it's a lease or PPA — equipment maintenance that falls within their ownership obligations.

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Monitoring: who to call when the app goes dark

Lumio typically used Enphase Enlighten or SolarEdge monitoring portals, depending on your inverter brand. These monitoring platforms are run by the equipment manufacturers, not by Lumio, and they remain active.

• Enphase system: Log in at enlighten.enphaseenergy.com or the Enphase app. If your gateway has lost connection, call Enphase support at 877-797-1473.
• SolarEdge system: Log in at monitoring.solaredge.com. Technical support: 510-498-3200.
• If Lumio had a proprietary monitoring portal: That portal may no longer be accessible. Your inverter's manufacturer portal is the fallback.

Your monitoring login credentials should be in your original installation paperwork or the welcome email Lumio sent at commissioning. If you never received them, your inverter's manufacturer can help you claim the device to your own account.

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Manufacturer warranties: what still applies

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.

Here is what that means in practice:

• Solar panels: Most residential panels carry a 25-year product and power warranty from the manufacturer (e.g., Q CELLS, REC, Silfab, Panasonic). If a panel degrades faster than warranted or has a manufacturing defect, you file directly with the panel maker. You will need the panel model and serial numbers.
• Enphase microinverters: Enphase's standard residential warranty is 25 years. Enphase handles claims directly and can dispatch a replacement; a licensed contractor must perform the swap.
• SolarEdge inverters: SolarEdge's standard inverter warranty is 12 years (extendable). Claims go directly to SolarEdge.

What Lumio's closure did eliminate for most completed systems:

What was most likely impaired is anything Lumio itself owed you: workmanship warranty coverage, production guarantees, service commitments, and any unfinished installation work. A workmanship warranty covers roof penetrations, wiring quality, racking integrity, and similar installation-specific defects — none of which a panel or inverter maker is responsible for.

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Roof leaks at a mount point: who is responsible

A roof leak at a solar mount is a workmanship issue, not an equipment defect. With Lumio's installer warranty effectively unenforceable for completed systems, there is no clear party to call under the original contract.

Your practical options in Southern California:

1. Check your homeowner's insurance. Some policies cover sudden roof damage, including leaks caused by improper penetrations. Document the leak with photos and timestamps before any repair.
2. Hire a licensed independent contractor to assess and repair the penetration. Roofing work at Helios is coordinated through vetted, licensed roofing partners — Helios is never the roofing contractor, but we coordinate the full job.
3. File a claim in the Lumio bankruptcy estate if your damages are significant. The liquidating trust is still reconciling claims; the docket is case 24-11916 in the District of Delaware. This is a legal process and the outcome is uncertain — consult an attorney.

For a reroof that requires panel removal and reinstallation, see our detailed guide at /solar-panel-removal-reinstallation. As a reference, panel removal and reinstallation typically runs $250–$350 per panel — roughly $5,000–$7,000 for a 20-panel system, or $7,500–$10,500 for 30 panels, with tile or steep roofs at the upper end of those ranges.

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A failed inverter: step-by-step

A dead or faulting inverter is the most common service call on any solar system. Here is the sequence:

1. Check your monitoring app for a fault code. Enphase and SolarEdge apps show specific error codes that determine whether the issue is the inverter, the gateway/hub, or a communication problem.
2. Call the manufacturer's warranty line with your serial number and the fault code. For Enphase or SolarEdge, they can often diagnose remotely and ship a replacement unit.
3. Hire a licensed California solar contractor to perform the physical swap. Filing a warranty claim generally requires a licensed contractor to diagnose the failure, pull the part, and complete the documentation. The manufacturer will not honor a claim without proper documentation from a licensed technician.
4. Budget for labor even under warranty. The replacement part may be free under the manufacturer warranty, but labor is typically not covered. Inverter replacement labor in Southern California generally runs in the range covered in our solar inverter replacement cost guide.

See also our solar repair and maintenance page for a full breakdown of what's covered under which warranty type.

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What to gather before you call anyone

Having these documents ready will cut your resolution time significantly:

• Original signed contract — names the finance company, system specifications, and any warranty language Lumio provided
• Permission to Operate (PTO) letter — from SCE, LADWP, SDG&E, or your municipal utility; confirms the date your system went live
• Panel serial numbers — on a sticker on the back of each panel; also often in the commissioning report Lumio sent
• Inverter serial number — on the unit itself or in your monitoring dashboard
• Monitoring login credentials — email and password for Enlighten (Enphase) or SolarEdge monitoring
• Finance agreement — loan note, lease, or PPA; names the finance company and their customer service contact
• Any Lumio warranty certificate — even if unenforceable, it documents what was promised and may support a bankruptcy claim

SCE vs. LADWP note: If you are an SCE customer, your system is on NEM 3.0 (the Net Billing Tariff), and your export credits are time-of-use based — a non-producing system costs you more per kWh imported during the 4–9 PM peak (roughly 48–58¢/kWh per SCE's current rate schedule). Getting a failed system back online quickly matters more under NEM 3.0 than it did under older tariffs. LADWP customers remain on retail-rate net metering, but a non-producing system still means buying power at LADWP's effective rate of around 28¢/kWh rather than offsetting it. Either way, a down system has a real dollar cost every day it sits idle.

For more on how net metering affects your math, see NEM 3.0 explained and solar vs. battery under NEM 3.0.

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A note on the Sunnova parallel

The Lumio situation is not unique. Sunnova Energy — which was a major financing partner for Lumio and many other installers — has faced its own serious financial difficulties. If your Lumio system was financed through Sunnova, you may be navigating two separate company situations at once. Our guide on who services Sunnova solar in California covers the Sunnova-specific picture in detail.

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Frequently asked questions about Lumio solar service in California

Is Lumio still operating in California?

No. Lumio's wind-down plan took effect on February 18, 2025, when a liquidating trustee took over. The company no longer installs, services, or warranties solar systems anywhere. Zeo Energy acquired certain assets but explicitly stated it has no obligation to service already-completed Lumio systems.

Did Zeo Energy take over my Lumio warranty?

Per a Zeo spokesperson, "Zeo has no contractual or other relationship with Lumio customers whose projects were completed before the bankruptcy," and Zeo "does not have the contractual right or legal ability to service Lumio systems completed before the bankruptcy, or any projects it did not acquire." If your system had PTO before November 6, 2024, Zeo is not your warranty holder.

Who do I call if my Lumio panels stop producing?

Start with your inverter manufacturer — Enphase (877-797-1473) or SolarEdge (510-498-3200) — and your monitoring app. If the issue is a manufacturing defect, the manufacturer warranty process is your primary path. If the issue is a wiring or installation problem, you will need to hire a licensed independent California solar contractor to diagnose and repair it, as Lumio's workmanship warranty is effectively unenforceable for completed systems.

Does my solar loan still have to be paid even though Lumio closed?

The bankruptcy generally did not cancel your solar loan. If a third-party lender financed your system, that lender is a separate company and its debt survives the installer's bankruptcy entirely. Contact the lender named on your loan documents — not Lumio — for all payment and payoff questions.

Can I file a claim against Lumio for my unfinished installation or warranty breach?

The Lumio liquidating trust is still reconciling approximately 950 proofs of claim as of 2026. You can file a claim in the bankruptcy estate (case 24-11916, District of Delaware), but recovery amounts and timing are uncertain. This is a legal process; consult a bankruptcy or consumer attorney before investing significant time or money in a claim.

What happens to my Sunnova or LightReach lease if I had a Lumio system?

Your lease or PPA is with the finance company — Sunnova or LightReach (Palmetto) — not with Lumio. Zeo's SEC filings confirm these leasing companies own the systems and retain their own obligations under those agreements. Contact Sunnova or LightReach directly for maintenance and monitoring questions on leased systems. See our Sunnova guide for current Sunnova-specific information.

How do I find a licensed contractor to service my former Lumio system in Southern California?

Search the CSLB's free license database at cslb.ca.gov and confirm any contractor holds an active C-46 solar or C-10 electrical license before signing anything. Helios Energy Global serves homeowners across Southern California — including those with systems originally installed by other companies — and can assess your system, handle inverter replacements, and coordinate any roofing repairs through licensed roofing partners. See our solar repair and maintenance page for details.

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Next steps

• Book a free consultation and custom design — if you are considering a new system or need an independent assessment of your existing one
• Solar repair and maintenance — what's covered under which warranty and how to get a failed system back online
• Solar panel warranties explained — manufacturer vs. installer vs. production guarantees, in plain English
• Solar inverter replacement cost in California — what labor and parts cost when a manufacturer warranty covers the part but not the labor
• Solar panel removal and reinstallation — costs and process if you need a reroof under your Lumio panels
• Who services Sunnova solar in California — a parallel case if your Lumio system was financed through Sunnova
• NEM 3.0 explained — how a non-producing system costs SCE customers more than it used to