Quick Answer
File a claim for solar panel hail damage if the damage is extensive and exceeds your deductible. Assess the damage by inspecting the panels, and consider hiring a professional if you're unsure. If the repair cost is substantial, it's likely worth filing a claim.
Assessing Damage
Inspect your solar panels carefully after a hail storm. Check for cracked or broken glass, and look for signs of hail impact on the panels’ surface. If 5% or more of your panels are damaged, it’s likely worth filing a claim. Consider hiring a professional to inspect your panels if you’re unsure about the extent of the damage.
Calculating Repair Costs
Calculate the cost of repairing or replacing damaged panels by determining the number of affected panels and their price. For example, if 10 out of 20 panels are damaged, and each panel costs $600 to replace, the total repair cost would be $3,000. Compare this cost to your insurance deductible to determine if filing a claim is worth it. Keep in mind that some insurance policies have a separate deductible for solar panel damage.
Filing a Claim
When filing a claim, gather evidence of the hail storm and its impact on your solar panels. Take photos and videos of the damage, and keep records of any communication with your insurance company. Be prepared to provide proof of purchase for your solar panels and any documentation related to their installation. Work closely with your insurance adjuster to ensure a smooth claims process and to get the compensation you deserve.
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