The system I have has a relatively small battery bank (compared to an off grid system). Our system can power loads on the "load" side of the inverter with or without the grid present. If the grid is available and the panels are producing more power than the load side is consuming it will push the excess power out to the grid. If your consuming say 4000w and the solar array is 2000w the inverter just takes 2000w from the grid and adds it to the 2000w from the array to supply the 4000w load.
Of course the type of inverter I have is more expensive then a straight grid tie inverter and is less efficient since it also has to maintain the batteries. Also in the long run you have to replace the batteries which adds to the cost and complexity of the system. You also ahve to rewire certain loads to a sub panel fed by the inverter, which also adds cost.
In the end there are two ways to go if you already have a grid tied inverter like yours. You can buy a small genset (I recommend a Honda 2000i) and just power the loads while the grid is down. The second option is to use another sine wave inverter to trick the grid tie in to thinking the grid is up and powers up and sends power to your house. This is a lot more complicated and more expensive then a simple genset. But if you do have regular outage's it might be the way to go.
If you want to follow a thread on the wind & sun forum of how that acutally works look
here
Again I wouldn't suggest going this route unless you’re really familiar with how grid tie inverters really behave. A simple small generator is a lot more straight forward.