Solar systems are robust and engineered to work through harsh weather conditions. This includes hail and high winds. Installers design systems to withstand these conditions and to conform with local building codes.
Before you go solar, you should check with your insurance company to make sure your homeowners insurance covers the panels. A report by the National Renewable Energy Laboratory found that most rooftop solar systems should be covered as part of your standard homeowners policy.
You should contact your insurance company before you install your system to let them know about the addition to your property. Be sure to verify that solar system replacement costs in the event of damage don’t exceed your current policy coverage limits. Adding solar should not increase your homeowner’s insurance premiums. If it does, you may want to find an insurer that provides discounts to customers that “go green”. The report does note that ground-based solar systems may not be covered and may require additional insurance.
For a better view of how panels are engineered to withstand the elements, check out this neat video of solar panel stress testing.