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Hail Damage to Solar Panels: Risks and What to Do

Last updated October 25, 2026

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The short answer

What Hail Does to Panels

Hailstones can strike the tempered glass surface of a solar panel with enough force to cause cracks, chips, or shattering. Even if the glass looks intact, the impact can create micro-fractures that weaken the panel over time. These cracks let moisture seep into the panel, which can lead to corrosion, reduced output, and eventually electrical failure.

The solar cells beneath the glass are fragile. A direct hit can break the cells, creating hot spots that reduce the panel's efficiency. Water intrusion is a serious risk, because it can damage the internal wiring and create a shock hazard. If you suspect hail damage, treat the panel as potentially dangerous and avoid touching it.

Immediate Steps After a Storm

After a hailstorm, take a close look at your panels from the ground or a safe vantage point. Check for visible cracks, chips, or shattered glass. Also inspect the mounting hardware and the roof around the panels for damage. If you see anything, do not climb onto the roof yourself; a damaged panel or roof can be unstable.

Turn off the solar system at the inverter or main disconnect if you can do so safely. This reduces the risk of electrical shock. Then take photos of any damage for your records. Contact your insurance company to report the loss, and ask about coverage for solar panel repair or replacement. Policies vary, and your insurer decides what is covered.

  • Look for cracks, chips, or shattered glass on the panel surface.
  • Check for water stains or moisture inside the panel frame.
  • Inspect the roof for displaced shingles or damaged flashing.
  • Note any debris or hail dents on the panel's metal frame.
  • Take clear photos of all damage from a safe location.
  • Keep a written record of the date and time of the storm.

When to Call a Professional

A damaged solar panel is not a DIY repair. The pros who handle solar panel damage have the training and equipment to work safely with electrical systems. They can test each panel to find hidden damage, such as micro-cracks or wiring issues, that you cannot see. They also know how to handle the glass and metal safely.

If hail has damaged your roof, water may have already entered your home. In that case, water damage restoration is part of the job. Local water damage pros can dry out the structure and prevent mold growth, while a solar installer handles the panels. Coordinate both so the roof is sealed before new panels go on.

  • Do not walk on the roof or touch damaged panels yourself.
  • A solar installer can test the system for hidden electrical faults.
  • A roofer can assess and repair any hail damage to the roof itself.
  • Water damage pros can dry out wet insulation and drywall.
  • Ask the pros to document the damage for your insurance claim.

Insurance and Repair Costs

Hail damage to solar panels is often covered under your homeowners policy, but not always. Some policies treat solar panels as part of the home structure; others consider them personal property. Check your policy documents and talk to your insurance company about what is included. Policies vary, and your insurer decides what is covered.

The cost to repair or replace a hail-damaged panel depends on the size of your system, the type of panel, and how many are affected. Repair costs can range widely, often from a few hundred to a few thousand dollars per panel. The final figure depends on your specific setup, the extent of damage, and local labor rates.

Preventing Future Damage

You cannot stop hail from falling, but you can reduce the risk of damage. Some panel mounts allow you to tilt the panels to a steeper angle, which helps hail bounce off rather than strike flat. Also, keep tree branches trimmed so they do not fall on the panels during a storm. Consider a seasonal tilt adjustment if your area experiences frequent hail.

Regular inspections after storms can catch small problems early. A small crack left untreated can grow and let water into the panel. If you see any damage, act quickly to have it assessed. A solar installer can also check the mounting system and wiring to make sure everything is secure before the next storm.

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Frequently asked questions

Can a cracked solar panel still produce electricity?

A cracked panel may still generate some power, but its output drops and it becomes a safety risk. Water can enter through the crack and damage the wiring, creating a shock hazard. Turn off the system and have a pro inspect it before using it again.

Will my homeowners insurance pay for hail damage to solar panels?

It depends on your specific policy. Some policies cover solar panels under dwelling coverage, while others treat them as personal property with lower limits. Contact your insurance company to confirm what is covered. Policies vary, and your insurer decides what is covered.

How long does a solar panel repair take?

The time varies. A simple panel replacement can be done in a day, but if the roof is also damaged, the process takes longer. The pros need to assess the system, order parts, and coordinate with your insurance. Ask your installer for a timeline after they inspect the damage.

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