Get matched with top solar panel pros in Spearfish, SD

Insurance companies aren’t against solar panels, but they may have concerns about the risks and costs of insuring solar. The type of policy, where you live, and the insurance company itself matter. Extreme weather can damage solar panels, and faulty installation or electrical malfunctions pose a fire risk—this, in turn, can increase insurance company liability and payouts. However, you’re likely to keep coverage as long as you have a pro install the solar system, keep it maintained, can pass a solar panel inspection, and update your homeowners policy to include solar.

The best solar panels to withstand hail are those rated UL 61730. These solar panels are certified to withstand hailstones up to 3 inches in diameter and travel at speeds up to 88 mph. IP68 solar panels are the next most resilient solar panel. Solar panels without these ratings can handle hail up to 1 inch in diameter that travels up to 50 miles per hour. If you live in an area with frequent or severe hailstorms, purchasing UL 61730 solar panels is often worth the investment.

In almost every case, solar panels need to be removed to replace roof shingles. In some cases, such as solar installations where the panels are on raised platforms above the roof surface, installers may be able to install new shingles without removing the solar installation. However, to get a quality roofing installation, panels need to come off. Most roofing contractors won’t remove or reinstall solar panels as part of a roofing project, so you’ll need to contact your solar provider.

Yes, you should tell your home insurance company about your solar panels. Even if you believe they’re covered by your existing policy, installing a solar panel system is a significant change to your home. This can affect coverage and premiums. By discussing your new solar panel installation with your insurance provider, you can be sure you have enough coverage and that the policy completely covers the panels against damage.