The protocol for changing ownership should be two step.
1. The file is put into an "offered" state, e.g. "offered to bob". Only the owner or superuser can make this state change.
2. Bob can take an "offered to bob" file and change ownership to bob.
Files can always be in an offered state; i.e. have an offered user which is normaly equal to their owner. So when ownership is taken, the two match again.
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(Edit: unless, perhaps, they're installing their own solar arrays, which many single-family and duplex homes do, but not the apartment buildings most of us live in.)
If you are paying a lot more, consider changing the provider.