Since most warranties do not cover such harm, photovoltaic (PV) modules are harmed by hail. The extent of the coverage is restricted to particular situations or occurrences for solar warranties that include hail within the “environmental causes” category (which is uncommon). 

The lesson here is that it is strongly advised to confirm if the warranty covers hail damage and the scope of the coverage if you reside in a region prone to experiencing it, like the Midwest. 

If the hail damage portion of your solar panel warranty is excluded, you must check your homeowner’s insurance for coverage. 

The cost of additional insurance 

Ordinary homeowners’ insurance often covers rooftop solar arrays. It is crucial to ensure that your homeowner’s insurance covers rooftop solar panels damaged by hail under the dwelling portion of the policy. Check whether hail is listed as a “covered risk” and be as detailed as feasible. The many sorts of damage that your homeowner’s insurance will cover are listed in this part of the contract. 

Additionally, confirm that you are okay with the coverage limitations in case hail damage necessitates replacing or repairing your solar panels. If the coverage limit is too low, you must increase it, which will cost more. Costs vary according to the insurer’s rates. 

You would need to add coverage to your current policy or get a new one if your insurance does not cover hail damage to solar panels. On top of your existing homeowner’s insurance premium, additional charges are typically associated with extending or obtaining an insurance policy. 

As previously indicated, most homeowner’s insurance policies include rooftop solar systems. The more probable it is that you will be required to put an add-on or separate insurance for the design, the more likely your solar panels will be on the ground or in a carport at your residential property since your solar panels are not firmly fixed to the house. 

You shouldn’t worry about shielding the system from hail damage if your solar panel installation is covered by a lease or power purchase agreement (PPA), as you do not own the panels. However, you should still ensure that hail damage is covered by the conditions of the lease or PPA and learn how the liable party will address it.

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