Hail Damage Risks and Insurance Coverage for U.S. Rooftop Solar Systems
As hailstorm season approaches in the U.S., homeowners with rooftop solar installations face increased risk of damage caused by hail, notably in regions known as "Hail Alley," which spans central and southern plains states from Texas to the Dakotas. Texas, seeing a nearly 650% increase in residential solar adoption from 2017 to 2022, is particularly susceptible to these risks. Solar panels are now built to endure hailstones roughly the size of a quarter impacting at speeds up to 50 mph, provided they have safety ratings like UL 61730 or similar from recognized standards bodies, which affirm their resilience to hail and harsh weather conditions.
Insurance implications are significant; hail accounts for the majority of economic losses related to solar panel damage despite representing a small fraction of total insurance claims for renewable assets. Homeowners should notify their insurance providers at the time of installation to ensure proper coverage, especially if panels are ground-mounted, as policy terms may vary. Lease and Power Purchase Agreement holders should confirm coverage responsibilities with their equipment providers to clarify liability and claims processes.
Damage assessment after hail events is critical. While some impacts may only be cosmetic, significant hail or hail paired with strong winds can impair or shatter panels, affecting power output. Monitoring systems provided by installers allow real-time power output tracking, which can highlight underperforming panels requiring inspection. Solar panel warranties typically exclude "acts of nature" like hail, so homeowners must rely on homeowners insurance for coverage and engage their insurers alongside installers during damage evaluations.
Post-damage repair procedures involve insurer verification before any repair work proceeds, ensuring proper claim handling and repair estimates. This process promotes transparency between homeowners, insurers, and installers, minimizing disputes and facilitating timely resolution. For lessees and holders of Power Purchase Agreements, reporting damage to equipment providers is the key step, as providers often manage claims and repairs.
With climate trends potentially increasing the frequency and severity of hailstorms, understanding the intersection of solar technology resilience, insurance coverage, and damage management protocols is vital for homeowners and industry stakeholders to safeguard renewable energy investments.