I.Who actually owns the roof
Under most Chicago condo declarations, the roof is a common element, owned by everyone and controlled by the board. Some buildings carve it into limited common elements, meaning a top-floor unit or a penthouse has exclusive use of a deck or a slice of roof. Either way, bolting an array to it, running conduit down a shaft, and tying into shared wiring touches common property, so the board has to authorize it, and in many buildings the owners have to amend the declaration before it can happen.
The threshold is where projects live or die. Illinois condo declarations commonly require a supermajority to amend, often on the order of two-thirds or three-quarters of ownership interest, and your specific number sits in your recorded declaration, not in any statewide default you can assume. Before the first panel is priced, read the amendment clause. That one paragraph decides whether this is a nine-month project or a two-year one.
II.The three ways the panels get plugged in
Start with the simplest structure, which powers the building's common loads. A single rooftop array ties into the house meter (the common-area meter that runs hallway lights, the elevator, and the water pumps), and the savings show up as a lower common-electric line in the monthly assessment. Every owner benefits roughly in proportion to their assessment share, which maps cleanly onto how associations already split costs.
Powering individual units is harder, because each unit has its own ComEd meter and the roof is one array. Two paths exist. One is net metering on the common meter only, as above. The other is a community solar subscription (you subscribe to a share of an offsite project and receive bill credits from ComEd), which needs no roof vote at all, which is why many condo owners who want solar on their own bill end up there instead of on their own roof.
III.Who has to say yes
First the board, usually by a vote at an open meeting, then the owners if the declaration must change. After that the list grows: a structural engineer to confirm the roof can carry the array and the wind load coming off the lake, ComEd to approve interconnection (the technical review that lets a private system feed the grid safely), and the Illinois Power Agency if the project wants Illinois Shines credits (the state program that pays for the renewable energy certificates a small system produces).
Lenders can enter too. If units carry mortgages, some loan documents and some secondary-market rules care about roof easements and long-term contracts, so a board signing a 20-year arrangement should have its attorney check that the paperwork does not quietly complicate a future unit sale. None of this is a reason not to build. It is a reason to sequence the yeses in a sensible order, cheapest and fastest first.
IV.What Illinois law does, and does not, do
Illinois limits how far an association can go in banning solar. The Homeowners' Energy Policy Statement Act restricts associations from flatly prohibiting solar energy systems and from imposing conditions that make them much costlier or much less efficient, and the Condominium Property Act has been amended to speak to distributed generation on common elements. At last public reading of these statutes on the General Assembly's site, associations may still impose reasonable conditions, which is where most disputes actually live.
The word reasonable is doing heavy work in that sentence, and the honest answer to what it means is that it depends. A rule about where conduit runs or who carries the insurance is probably reasonable. A rule that functionally blocks any array is probably not. If your board and a determined owner disagree, the venue is a civil court reading your declaration against the statute, not a quick call to a regulator.
V.Worth watching this month
1. Your association's next open board meeting agenda, where a solar motion or a feasibility-study vote would appear, is the first checkable sign that anything is actually moving.
2. The Illinois Power Agency's Illinois Shines pages, where block availability and certificate prices shift between program years and can change a project's payback.
3. ComEd's net-metering and interconnection pages, which spell out the current rules your installer's application has to satisfy.
4. The Illinois Commerce Commission's open dockets on net metering and utility rates, routine to watch but occasionally carrying changes that move the math for small solar.
5. Your own recorded declaration's amendment clause, the least glamorous and most decisive item on this list.