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A hurricane can take down a house, but most well-built modern homes can withstand an average hurricane. Houses are more likely to fail during strong hurricanes and if they’re older, poorly built, or already have structural problems. Strong winds can blow off weak points like the roof and windows, giving the hurricane winds an opening to do more damage. Walls may also collapse under the force of high winds and pressure.

Yes, home insurance coverage includes hail damage. An HO-1 insurance policy offers the most basic coverage for homeowners. In every homeowners’ insurance policy, the insurer includes a list of perils (or dangers) that you’re covered from, and HO-1 policies almost always include protection against hail and windstorms as well as other perils like fire, lightning, and vandalism. All you need to do is file a homeowners insurance claim, and your insurer will send you a check for the amount covered.

Solar panels that haven’t been properly inspected and maintained pose several risks to homeowners. Firstly, a dirty, obstructed, or malfunctioning solar panel won’t be able to generate as much power, which could lead to power shortages and wasted money. But more importantly, neglected solar panel arrays can become dangerous if left for too long. Corroded wires and exposed circuitry are fire hazards, so it’s strongly recommended to keep up with regular maintenance to protect your home.

Just about anything that can damage your roof can damage a solar panel. It’s common for panels to sustain damage from hail or falling branches. Critters can chew through the wires. Snow and heavy rainfall can cause additional wear, along with extreme temperatures, which can degrade or stress the individual components. Even the UV rays that create electricity slowly damage your panel over time.